# EDGAR Filing Document

**Accession Number:** 0001547361
**File Stem:** 0001999371-26-013137
**Filing Date:** 2026-6
**Character Count:** 4534409
**Document Hash:** f10e9348f44532f3dc967b31c3698d25
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-013137.hdr.sgml**: 20260618

**ACCESSION NUMBER**: 0001999371-26-013137

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

**PUBLIC DOCUMENT COUNT**: 63

**CONFORMED PERIOD OF REPORT**: 20260618

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

**FILED AS OF DATE**: 20260618

**DATE AS OF CHANGE**: 20260618

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Morgan Stanley Capital I Inc.
- **CENTRAL INDEX KEY:** 0001547361
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 133291626
- **STATE OF INCORPORATION:** DE

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01951
- **FILM NUMBER:** 261104056

**BUSINESS ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 212-761-4000

**MAIL ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Morgan Stanley Capital I Inc.
- **CENTRAL INDEX KEY:** 0001547361
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 133291626
- **STATE OF INCORPORATION:** DE

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 212-761-4000

**MAIL ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036

OMB Number: 3235-0675

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

**<u>MORGAN STANLEY CAPITAL I INC.</u>**

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 to contact in connection with this filing.

---

| | |
|:---|:---|
|  | Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐ |
|  | Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2) |
| ☒ | Central Index Key Number of depositor: <u>0001547361</u> |

---

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

Chris Scott, (212) 761-4940

------

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

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

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

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

**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.

---

| | | |
|:---|:---|:---|
| MORGAN STANLEY CAPITAL I INC. |  |  |
| Date: June 18, 2026 | By: | /s/ Anthony Piperno |
|  | Name: | Anthony Piperno |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| <u>Exhibit Number</u> | <u>Exhibit Number</u> |
| 99.1 | [Third Party Due Diligence Report - Ernst & Young LLP Report of Independent Accountants on Applying Agreed-Upon Procedures](ex99-1.htm) |
| 99.2 | [Third Party Due Diligence Report – AMC Diligence, LLC Executive Summary](ex99-2.htm) |
| [Schedule 1 – Exception Grades Report](ex99-2s1.htm) | [Schedule 1 – Exception Grades Report](ex99-2s1.htm) |
| [Schedule 2 – Rating Agency Grades Report](ex99-2s2.htm) | [Schedule 2 – Rating Agency Grades Report](ex99-2s2.htm) |
| [Schedule 3 – Data Compare Report](ex99-2s3.htm) | [Schedule 3 – Data Compare Report](ex99-2s3.htm) |
| [Schedule 4 – Valuation Summary Report](ex99-2s4.htm) | [Schedule 4 – Valuation Summary Report](ex99-2s4.htm) |
| [Schedule 5 – Supplemental Report](ex99-2s5.htm) | [Schedule 5 – Supplemental Report](ex99-2s5.htm) |
| [Schedule 6 – Multi Property Valuation Report](ex99-2s6.htm) | [Schedule 6 – Multi Property Valuation Report](ex99-2s6.htm) |
| 99.3 | [Third Party Due Diligence Report – Clarifii LLC Due Diligence Narrative Report](ex99-3.htm) |
| [Schedule 1 – Rating Agency Grades Detail Report](ex99-3s1.htm) | [Schedule 1 – Rating Agency Grades Detail Report](ex99-3s1.htm) |
| [Schedule 2 – Rating Agency Grades Summary Report](ex99-3s2.htm) | [Schedule 2 – Rating Agency Grades Summary Report](ex99-3s2.htm) |
| [Schedule 3 – Data Compare Report](ex99-3s3.htm) | [Schedule 3 – Data Compare Report](ex99-3s3.htm) |
| [Schedule 4 – ATR QM Report](ex99-3s4.htm) | [Schedule 4 – ATR QM Report](ex99-3s4.htm) |
| [Schedule 5 – Valuation Report](ex99-3s5.htm) | [Schedule 5 – Valuation Report](ex99-3s5.htm) |
| 99.4 | [Third Party Due Diligence Report – Clayton Services LLC Due Diligence Narrative Report](ex99-4.htm) |
| [Schedule 1 – Non ATR QM Upload Report](ex99-4s1.htm) | [Schedule 1 – Non ATR QM Upload Report](ex99-4s1.htm) |
| [Schedule 2 – Conditions Report](ex99-4s2.htm) | [Schedule 2 – Conditions Report](ex99-4s2.htm) |
| [Schedule 3 – Loan Level Tape Compare Report](ex99-4s3.htm) | [Schedule 3 – Loan Level Tape Compare Report](ex99-4s3.htm) |
| [Schedule 4 – Rating Agency ATR QM Report](ex99-4s4.htm) | [Schedule 4 – Rating Agency ATR QM Report](ex99-4s4.htm) |
| [Schedule 5 – Valuation Summary Report](ex99-4s5.htm) | [Schedule 5 – Valuation Summary Report](ex99-4s5.htm) |
| [Schedule 6 – Waived Conditions Report](ex99-4s6.htm) | [Schedule 6 – Waived Conditions Report](ex99-4s6.htm) |
| 99.5 | [Third Party Due Diligence Report – Consolidated Analytics, Inc. Executive Summary](ex99-5.htm) |
| [Schedule 1 – Due Diligence Standard Report (Set #1)](ex99-5s1.htm) | [Schedule 1 – Due Diligence Standard Report (Set #1)](ex99-5s1.htm) |
| [Schedule 2 – Rating Agency Grades Summary Report (Set #1)](ex99-5s2.htm) | [Schedule 2 – Rating Agency Grades Summary Report (Set #1)](ex99-5s2.htm) |
| [Schedule 3 – Valuations Summary Report (Set #1)](ex99-5s3.htm) | [Schedule 3 – Valuations Summary Report (Set #1)](ex99-5s3.htm) |
| [Schedule 4 – Data Compare Report (Set #1)](ex99-4s4.htm) | [Schedule 4 – Data Compare Report (Set #1)](ex99-4s4.htm) |
| [Schedule 5 – Property Supplemental Report (Set #1)](ex99-5s5.htm) | [Schedule 5 – Property Supplemental Report (Set #1)](ex99-5s5.htm) |
| [Schedule 6 – Due Diligence Standard Report (Set #2)](ex99-5s6.htm) | [Schedule 6 – Due Diligence Standard Report (Set #2)](ex99-5s6.htm) |
| [Schedule 7 – Rating Agency Grades Summary Report (Set #2)](ex99-5s7.htm) | [Schedule 7 – Rating Agency Grades Summary Report (Set #2)](ex99-5s7.htm) |
| [Schedule 8 – Valuations Summary Report (Set #2)](ex99-5s8.htm) | [Schedule 8 – Valuations Summary Report (Set #2)](ex99-5s8.htm) |
| [Schedule 9 – Data Compare Report (Set #2)](ex99-5s9.htm) | [Schedule 9 – Data Compare Report (Set #2)](ex99-5s9.htm) |
| [Schedule 10 – Property Supplemental Report (Set #2)](ex99-5s10.htm) | [Schedule 10 – Property Supplemental Report (Set #2)](ex99-5s10.htm) |
| 99.6 | [Third Party Due Diligence Report – Digital Risk, LLC Narrative](ex99-6.htm) |
| [Schedule 1 – Data Integrity Report](ex99-6s1.htm) | [Schedule 1 – Data Integrity Report](ex99-6s1.htm) |
| [Schedule 2 – Rebuttal Findings Report](ex99-6s2.htm) | [Schedule 2 – Rebuttal Findings Report](ex99-6s2.htm) |
| [Schedule 3 – Rating Agency Grades Report](ex99-6s3.htm) | [Schedule 3 – Rating Agency Grades Report](ex99-6s3.htm) |
| [Schedule 4 – Valuation Report](ex99-6s4.htm) | [Schedule 4 – Valuation Report](ex99-6s4.htm) |
| 99.7 | [Third Party Due Diligence Report – Selene Diligence LLC Due Diligence Narrative Report](ex99-7.htm) |
| [Schedule 1 – Rating Agency Grades Summary Report](ex99-7s1.htm) | [Schedule 1 – Rating Agency Grades Summary Report](ex99-7s1.htm) |
| [Schedule 2 – Valuation Report](ex99-7s2.htm) | [Schedule 2 – Valuation Report](ex99-7s2.htm) |
| [Schedule 3 – Data Compare Report](ex99-7s3.htm) | [Schedule 3 – Data Compare Report](ex99-7s3.htm) |
| [Schedule 4 – Standard Findings Report](ex99-7s4.htm) | [Schedule 4 – Standard Findings Report](ex99-7s4.htm) |
| [Schedule 5 – Supplemental Data Extract Report](ex99-7s5.htm) | [Schedule 5 – Supplemental Data Extract Report](ex99-7s5.htm) |
| [Schedule 6 – Rating Agency Multi-Property Valuation Report](ex99-7s6.htm) | [Schedule 6 – Rating Agency Multi-Property Valuation Report](ex99-7s6.htm) |

---

## Exhibit 99.1

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.1**

---

| | |
|:---|:---|
| **Ernst & Young LLP**<br> One Manhattan West<br> New York, NY 10001 | Tel: +1 212 773 3000<br> ey.com |

---

**Report of Independent Accountants on Applying Agreed-Upon Procedures**

18 June 2026

Morgan Stanley Mortgage Capital Holdings LLC (the "Sponsor")

Morgan Stanley Capital I Inc. (the "Depositor")

Morgan Stanley & Co. LLC (the "Initial Purchaser")

1585 Broadway

New York, New York 10036

**Re:** 

**Morgan Stanley Residential Mortgage Loan Trust 2026-NQM7 (the "Issuing Entity")**

**Mortgage Pass-Through Certificates, Series 2026-NQM7 (the "Certificates")**

**Sample Mortgage Loan Agreed-Upon Procedures**

We have performed the procedures enumerated in Attachment A, which were agreed to and acknowledged as appropriate by the Sponsor, Depositor and Initial Purchaser (collectively, the "Specified Parties"), for the intended purpose of assisting the Specified Parties in evaluating the accuracy of certain information with respect to a pool of mortgage loans (the "Mortgage Loans") relating to the Issuing Entity's securitization transaction. This report may not be suitable for any other purpose. The procedures performed may not address all of the items of interest to a user of the report and may not meet the needs of all users of the report and, as such, users are responsible for determining whether the procedures performed are appropriate for their purposes. The appropriateness of these procedures is solely the responsibility of the Specified Parties identified in this report. No other party acknowledged the appropriateness of the procedures. Consequently, we make no representation regarding the appropriateness of the procedures described in Attachment A, either for the purpose for which this report has been requested or for any other purpose.

The procedures performed and our associated findings are included in Attachment A.

For the purpose of the procedures described in this report, the Initial Purchaser, on behalf of the Depositor, provided us with:

a. Electronic data files (collectively, the "Provided Data Files"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Labeled "MSRM 2026-NQM7 Filing Population.xlsx" (the "Loan Listing Data File"),
that the Initial Purchaser, on behalf of the Depositor, indicated contains a list of identification numbers (each, an "Investor
Loan ID") relating to certain mortgage loans (the "Base Preliminary Mortgage Loans") which are expected to be representative
of the Mortgage Loans and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Labeled "20260611_MSRM_2026-NQM7__EY_Sample_Tape_V6_wXCOLL.xlsx" and the corresponding
record layout and decode information, as applicable (the "Preliminary Data File"), that the Initial Purchaser, on behalf
of the Depositor, indicated contains information as of 1 June 2026 (the "Cut-off Date") relating to certain
mortgage loans (the "Preliminary Mortgage Loans") which are expected to be representative of the Mortgage Loans,

Page 2 of 3

![](ex99_002.jpg)

b. Imaged copies of the following items (collectively, the "Source Documents"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Promissory note or loan agreement (collectively and as applicable, the "Note"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Credit report (the "Credit Report"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Loan application, occupancy affidavit, warranty deed, assignment of leases and rents and/or commercial
loan application (collectively and as applicable, the "Application"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Underwriting summary, summary of findings, loan product advisor feedback certificate and/or conditional
underwriting approval (collectively and as applicable, the "Underwriting Summary"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Appraisal report or commercial evaluation report (collectively and as applicable, the "Appraisal"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Fraud report (the "Fraud Report"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Contract for the sale and purchase of real estate, assignment of purchase contract interest, sale escrow
instructions and/or addendum to agreement of sale (collectively and as applicable, the "Sale Contract") and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Settlement statement or closing disclosure (collectively and as applicable, the "Settlement
Statement")

that the Initial Purchaser, on behalf of the Depositor, indicated relate to the Sample Mortgage Loans (as defined in Attachment A),

c. The list of relevant characteristics (the "Sample Characteristics") on the Preliminary Data File, which is shown
on Exhibit 1 to Attachment A, and

d. Instructions, assumptions and methodologies, which are described in Attachment A.

For the purpose of the procedures described in this report, certain information on the Preliminary Data File is the "Subject Matter" as of the date of this report.

The procedures included in Attachment A were limited to comparing or recalculating certain information that is further described in Attachment A. The Depositor is responsible for the Subject Matter, Provided Data Files, Source Documents, Sample Characteristics and the determination of the instructions, assumptions and methodologies that are described herein. We were not requested to perform, and we have not performed, any procedures other than those listed in Attachment A. We have not verified, and we make no representation as to, the accuracy, completeness or reasonableness of the Loan Listing Data File, Source Documents or any other information provided to us, or that we were instructed to obtain, as applicable, by the Initial Purchaser, on behalf of the Depositor, upon which we relied in forming our findings. Accordingly, we make no representation and express no opinion or conclusion as to (a) the existence of the Base Preliminary Mortgage Loans, Preliminary Mortgage Loans or Mortgage Loans, (b) questions of legal or tax interpretation or (c) the appropriateness, accuracy, completeness or reasonableness of any instructions, assumptions and methodologies provided to us by the Initial Purchaser, on behalf of the Depositor, that are described in this report. We undertake no responsibility to update this report for events and circumstances occurring after the date hereof.

Page 3 of 3

![](ex99_002.jpg)

This agreed-upon procedures engagement was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants (the "AICPA"). An agreed-upon procedures engagement involves the practitioner performing specific procedures that the Specified Parties have agreed to and acknowledged to be appropriate for the purpose of the engagement and reporting on findings based on the procedures performed. We were not engaged to, and did not, conduct an examination to express an opinion or a review to express a conclusion in accordance with attestation standards established by the AICPA on any of the items referred to herein. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.

The agreed-upon procedures described in this report were not performed for the purpose of:

a. Satisfying any criteria for due diligence published by a nationally recognized statistical rating organization
(a "rating agency") or

b. Making any findings with respect to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Whether the origination of the Mortgage Loans conformed to, or deviated from, stated underwriting or
credit extension guidelines, standards, criteria or other requirements,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The value of the collateral securing the Mortgage Loans,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Whether the originator(s) of the Mortgage Loans complied with federal, state or local laws or regulations
or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Any other factor or characteristic of the Mortgage Loans that would be material to the likelihood that
the issuer of the Certificates will pay interest and principal in accordance with applicable terms and conditions.

We are required to be independent of the Depositor and to meet our other ethical responsibilities, as applicable, for agreed-upon procedures engagements set forth in the Preface: Applicable to All Members and Part 1 – Members in Public Practice of the Code of Professional Conduct established by the AICPA. Independence requirements for agreed-upon procedures engagements are less restrictive than independence requirements for audit and other attestation services.

This report is intended solely for the information and use of the Specified Parties and is not intended to be, and should not be, used by anyone other than the Specified Parties. It is not intended to be, and should not be, used by any other person or entity, including investors and rating agencies, who are not identified in the report as Specified Parties but who may have access to this report as required by law or regulation.

/s/ Ernst & Young LLP

18 June 2026

**Attachment A**

![](ex99_002.jpg)

**<u>Procedures performed and our associated findings</u>**

1. As instructed by the Initial Purchaser, on behalf of the Depositor, we randomly selected a sample of 260
Base Preliminary Mortgage Loans from the Loan Listing Data File (the "Base Sample Mortgage Loans"). For the purpose of
this procedure, the Initial Purchaser, on behalf of the Depositor, did not inform us as to the basis for how they determined the number
of Base Sample Mortgage Loans or the methodology they instructed us to use to select the Base Sample Mortgage Loans from the Loan Listing
Data File.

For the purpose of the procedures described in this report, the 260 Base Sample Mortgage Loans are referred to as Sample Mortgage Loan Numbers 1 through 260.

2. For each mortgage loan on the Loan Listing Data File and Preliminary Data File, we compared the Investor
Loan ID, as shown on the Loan Listing Data File, to the corresponding Loan Number, as shown on the Preliminary Data File, and noted that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. All of the Preliminary Mortgage Loans were included on both the Preliminary Data File and Loan Listing Data File and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 12 of the Base Preliminary Mortgage Loans included on the Loan Listing Data File were not included on the Preliminary Data File, two
(2) of which were Base Sample Mortgage Loans, identified as Sample Mortgage Loan Numbers 7 and 24.

The 258 Base Sample Mortgage Loans included on the Preliminary Data File are hereinafter referred to as the "Sample Mortgage Loans."

3. For each Sample Mortgage Loan, we compared the Sample Characteristics listed on Exhibit 1 to Attachment A,
as shown on the Preliminary Data File, to the corresponding information located in, or to the corresponding information we recalculated
using information located in, the Source Documents or Preliminary Data File, as applicable, subject to the instructions, assumptions and
methodologies provided by the Initial Purchaser, on behalf of the Depositor, described in the notes to Exhibit 1 to Attachment A.
The Source Document(s) that we were instructed by the Initial Purchaser, on behalf of the Depositor, to use for each Sample Characteristic
are shown on Exhibit 1 to Attachment A. Except for the information shown on Exhibit 2 to Attachment A, all such compared
information was found to be in agreement.

**Exhibit 1 to Attachment A**

Page 1 of 7

**<u>Sample Characteristics and Source Documents</u>**

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| | | |
|:---|:---|:---|
| **<u>Sample Characteristic</u>** | **Preliminary <br> <u>Data File Field Name</u>** | **<u>Source Document(s)</u>** |
| Loan number | Loan Number | Note |
| Original principal balance | Original Principal Balance | Note |
| Original interest rate | Original Interest Rate | Note |
| First payment date | First Payment Date | Note |
| Maturity date | Maturity Date | Note |
| Property state | Property State | Note |
| Property zip code | Property Zip Code | Note |
| Original term | Original Term | (a) Note or<br> (b) Note and recalculation |
| Original interest only term | Original Interest Only Term | (a) Note or<br> (b) Note and recalculation |
| Prepayment charge term | Prepayment Charge Term | Note |
| Occupancy status | Occupancy Status | Application or Underwriting Summary |
| Appraisal value | Appraisal Value | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Appraisal<br>|
| Property type | Property Type | Appraisal or Underwriting Summary |
| Sale price | Sale Price | (a) Sale Contract or Settlement Statement or<br> (b) Settlement Statement and recalculation |
| Loan purpose | Loan Purpose | Application, Fraud Report, Credit Report or recalculation |
| Junior lien balance | Junior Lien Balance | Underwriting Summary, Application, Settlement Statement or Credit Report |
| Index description | Index Description | Note |

---

**Exhibit 1 to Attachment A**

Page 2 of 7

---

| | | |
|:---|:---|:---|
| **<u>Sample Characteristic</u>** | **Preliminary <br> <u>Data File Field Name</u>** | **<u>Source Document(s)</u>** |
| Gross margin | Gross Margin | Note |
| Initial fixed rate period | Initial Fixed Rate Period | (a) Note or<br> (b) Note and recalculation |
| Subsequent interest rate reset period | Subsequent Interest Rate Reset Period | Note |
| Initial interest rate cap change up | Initial Interest Rate Cap Change Up | (a) Note or<br> (b) Note and recalculation |
| Initial interest rate cap change down | Initial Interest Rate Cap Change Down | (a) Note or<br> (b) Note and recalculation |
| Subsequent interest rate change up | Subsequent Interest Rate Change Up | Note |
| Subsequent interest rate change down | Subsequent Interest Rate Change Down | Note |
| Maximum interest rate | Maximum Interest Rate | Note |
| Minimum interest rate | Minimum Interest Rate | Note or Settlement Statement |
| Original loan-to-value ratio | Original LTV | Recalculation |
| Combined loan-to-value ratio | Original Combined LTV | Recalculation |

---

**Exhibit 1 to Attachment A**

Page 3 of 7

**<u>Notes</u>:**

i. The loan number Sample Characteristic is for identification purposes only.

ii. For the purpose of comparing the property zip code and property type Sample Characteristics
for any Sample Mortgage Loan that has multiple properties, as stated in the Note, the Initial Purchaser, on behalf of the Depositor, instructed
us to note agreement with a value of "BM."

iii. For the purpose of comparing the original term Sample Characteristic for any Sample
Mortgage Loan that does not have the original term specifically stated in the Note, the Initial Purchaser, on behalf of the Depositor,
instructed us to use the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The difference in months between the maturity date and first payment date, both as
shown in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 1.

iv. For the purpose of comparing the original interest only term Sample Characteristic
for any Sample Mortgage Loan that does not have the original interest only term specifically stated in the Note, the Initial Purchaser,
on behalf of the Depositor, instructed us to use the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The difference in months between the interest only end date and first payment date,
both as shown in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 1.

v. For the purpose of comparing any Sample Characteristic listing the Application as a
Source Document for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of the Depositor, provided more than one Application,
the Initial Purchaser, on behalf of the Depositor, instructed us to use the most recent Application as the Source Document.

vi. For the purpose of comparing the occupancy status Sample Characteristic, the Initial
Purchaser, on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary Data File agreed with the corresponding
information in at least one of the Source Documents listed for such Sample Characteristic. We performed no procedures to reconcile any
differences that may exist relating to the information in the Source Documents relating to the occupancy status Sample Characteristic.

vii. For the purpose of comparing any Sample Characteristic listing the Appraisal as a Source
Document for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of the Depositor, provided more than one Appraisal, the
Initial Purchaser, on behalf of the Depositor, instructed us to use the Appraisal with the lowest appraisal value as the Source Document.

**Exhibit 1 to Attachment A**

Page 4 of 7

viii. For the purpose of comparing the appraisal value Sample Characteristic for any Sample
Mortgage Loan for which the Initial Purchaser, on behalf of the Depositor, provided an Appraisal for each mortgaged property relating
to such Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to use the sum of the appraisal values
for the related mortgaged properties, as shown in the corresponding Appraisals.

ix. For the purpose of comparing the property type Sample Characteristic, the Initial Purchaser,
on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary Data File agreed with the corresponding information
in at least one of the Source Documents listed for such Sample Characteristic. We performed no procedures to reconcile any differences
that may exist relating to the information in the Source Documents relating to the property type Sample Characteristic.

For the purpose of comparing the property type Sample Characteristic, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) "Townhouse" if the design (style) is "Twnhse," "Townhouse,"
"TownHm" or "TownHome,"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) "Townhouse" if the type is "S-Det./End Unit" and the Appraisal
indicates that HOA dues are required,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) "1 Family Attached" if the type is "S-Det./End Unit" and
the design (style) is "Row," "Duplex," "Semi-Det," "COL," "Semi," "MillHse,"
"Ranch," "Row House," "Twin," "SD2;Colonial-ED" or "Raised Beach" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) "1 Family Attached" if the design (style) is "Townhouse"
and the Appraisal indicates that no HOA dues are required,

as shown in the applicable Source Document.

x. For the purpose of comparing any Sample Characteristic listing the Settlement Statement
as a Source Document for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of the Depositor, provided more than one
Settlement Statement, the Initial Purchaser, on behalf of the Depositor, instructed us to use the most recent Settlement Statement as
the Source Document.

xi. For the purpose of comparing the sale price Sample Characteristic, the Initial Purchaser,
on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary Data File agreed with the corresponding information
in at least one of the Source Documents listed for such Sample Characteristic. We performed no procedures to reconcile any differences
that may exist relating to the information in the Source Documents relating to the sale price Sample Characteristic.

**Exhibit 1 to Attachment A**

Page 5 of 7

xii. For the purpose of comparing the loan purpose Sample Characteristic for any Sample
Mortgage Loan with a loan purpose of "First Time Home Purchase" or "Other-than-first-time Home Purchase,"
as shown on the Preliminary Data File (each, a "Purchase Sample Mortgage Loan"), the Initial Purchaser, on behalf of
the Depositor, instructed us to note agreement if the value on the Preliminary Data File agreed with the corresponding information in
at least one of the Source Documents listed for such Sample Characteristic. We performed no procedures to reconcile any differences that
may exist relating to the information in the Source Documents relating to the loan purpose Sample Characteristic for any Purchase Sample
Mortgage Loan.

For any remaining Sample Mortgage Loan (each, a "Refinanced Sample Mortgage Loan"), the Initial Purchaser, on behalf of the Depositor, instructed us to calculate the "Amount to Borrower" as the difference between the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Original principal balance, as shown in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Sum of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Unpaid principal balance of any previous mortgage loan that is being refinanced, as
shown in the Settlement Statement, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Total closing costs relating to the Refinanced Sample Mortgage Loan, as shown in the
Settlement Statement.

For any Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Numbers 40, 99, 212 and 246), the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a loan purpose of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) "Refinance – Cash Out" if the Amount to Borrower is greater than
the lesser of (i) $2,000 and (ii) 1% of the original principal balance, as shown in the Note, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) "Refinance – Rate Term" for each remaining Refinanced Sample Mortgage
Loan.<br>

For Sample Mortgage Loan Numbers 40, 99, 212 and 246, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a loan purpose of "Limited Cash-Out," as shown on the Preliminary Data File.

xiii. For the purpose of comparing the junior lien balance Sample Characteristic, the Initial Purchaser, on
behalf of the Depositor, instructed us to note agreement if the value on the Preliminary Data File agreed with the corresponding information
in at least one of the Source Documents listed for such Sample Characteristic. We performed no procedures to reconcile any differences
that may exist relating to the information in the Source Documents relating to the junior lien balance Sample Characteristic.

**Exhibit 1 to Attachment A**

Page 6 of 7

xiv. The Initial Purchaser, on behalf of the Depositor, instructed us not to perform any procedures with respect
to the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Index description,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Gross margin,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Initial fixed rate period,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Subsequent interest rate reset period,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) Initial interest rate cap change up,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) Initial interest rate cap change down,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) Subsequent interest rate change up,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) Subsequent interest rate change down,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Maximum interest rate and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j) Minimum interest rate

Sample Characteristics for any Sample Mortgage Loan with a gross margin value of "0.000(%)" or , as shown on the Preliminary Data File.

xv. For the purpose of comparing the initial fixed rate period Sample Characteristic for any Sample Mortgage
Loan with a gross margin value that is not equal to and is greater than "0.000(%)," as shown in the Note (each,
an "ARM Sample Mortgage Loan"), that does not have the initial fixed rate period specifically stated in the Note, the Initial
Purchaser, on behalf of the Depositor, instructed us to use the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The difference in months between the first rate change date and first payment date, both as shown in the
Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 1.

xvi. For the purpose of comparing the initial interest rate cap change up Sample Characteristic for any ARM Sample
Mortgage Loan that does not have the initial interest rate cap change up specifically stated in the Note, the Initial Purchaser, on behalf
of the Depositor, instructed us to use the difference between the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Initial rate adjustment maximum interest rate and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Original interest rate,

both as shown in the Note.

xvii. For the purpose of comparing the initial interest rate cap change down Sample Characteristic for any ARM
Sample Mortgage Loan that does not have the initial interest rate cap change down specifically stated in the Note, the Initial Purchaser,
on behalf of the Depositor, instructed us to use the maximum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The difference between the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Original interest rate 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;(2) Initial rate adjustment minimum interest rate,

both as shown in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 0.000(%).

**Exhibit 1 to Attachment A**

Page 7 of 7

xviii. For the purpose of comparing the minimum interest rate Sample Characteristic for any
ARM Sample Mortgage Loan that does not have the minimum interest rate specifically stated in the Note or Settlement Statement, the Initial
Purchaser, on behalf of the Depositor, instructed us to use the gross margin, as shown in the Note, as the minimum interest rate.

xix. The Initial Purchaser, on behalf of the Depositor, instructed us to use:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) For any Purchase Sample Mortgage Loan, the lesser of the (1) appraisal value, as shown
in the Appraisal, and (2) sale price, as shown in the Sale Contract or Settlement Statement, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) For any Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Number 167),
the appraisal value, as shown in the Appraisal, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) For Sample Mortgage Loan Number 167, the prior sale price, as shown in the Appraisal,

as the "Value for LTV."

xx. For the purpose of comparing the original loan-to-value ratio Sample Characteristic,
the Initial Purchaser, on behalf of the Depositor, instructed us to use the quotient (rounded to the fourth decimal place (X.XXXX))
of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Original principal balance, as shown in the Note, divided by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Value for LTV.

xxi. For the purpose of comparing the combined loan-to-value ratio Sample Characteristic,
the Initial Purchaser, on behalf of the Depositor, instructed us to use the quotient (rounded to the fourth decimal place (X.XXXX))
of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Sum of the original principal balance, as shown in the Note, and junior lien balance,
as shown in the applicable Source Document(s), divided by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Value for LTV.

xxii. For the purpose of comparing the original loan-to-value ratio and combined loan-to-value
ratio Sample Characteristics, the Initial Purchaser, on behalf of the Depositor, instructed us to ignore differences of +/- 0.0001
or less.

We performed no procedures to determine the accuracy, completeness or reasonableness of the instructions, assumptions and methodologies provided by the Initial Purchaser, on behalf of the Depositor, that are described in the notes above.

**Exhibit 2 to Attachment A**

Page 1 of 7

**<u>Sample Characteristic Differences</u>**

---

| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage <br> <u>Loan Number</u>** | **<u>Sample Characteristic</u>** | **<u>Preliminary Data File Value</u>** | **<u>Source Document Value</u>** |
| 4 | Property type | Condo, Low Rise (4 or fewer stories) | Condo, High Rise (5+ stories) |
| 6 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 8 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 11 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 17 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 18 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 19 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 20 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 21 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 26 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 27 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 28 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 29 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 30 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |

---

**Exhibit 2 to Attachment A**

Page 2 of 7

---

| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage <br> <u>Loan Number</u>** | **<u>Sample Characteristic</u>** | **<u>Preliminary Data File Value</u>** | **<u>Source Document Value</u>** |
| 31 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 36 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 37 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 38 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 39 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 47 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 48 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 51 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 57 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 63 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 68 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 69 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 73 | Property type | Single Family Detached (non-PUD) | 1 Family Attached |
| 74 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |

---

**Exhibit 2 to Attachment A**

Page 3 of 7

---

| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage <br> <u>Loan Number</u>** | **<u>Sample Characteristic</u>** | **<u>Preliminary Data File Value</u>** | **<u>Source Document Value</u>** |
| 75 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 77 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 82 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 85 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 86 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 88 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 89 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 90 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 91 | Property type | Single Family Detached (non-PUD) | 1 Family Attached |
| 92 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 95 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 98 | Property type | Single Family Detached (non-PUD) | 1 Family Attached |
| 100 | Appraisal value | [Redacted] | [Redacted] |
|  | Original loan-to-value ratio | 0.7500 | 0.8113 |
|  | Combined loan-to-value ratio | 0.7500 | 0.8113 |

---

**Exhibit 2 to Attachment A**

Page 4 of 7

---

| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage <br> <u>Loan Number</u>** | **<u>Sample Characteristic</u>** | **<u>Preliminary Data File Value</u>** | **<u>Source Document Value</u>** |
| 101 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 102 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 104 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 107 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 109 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 112 | Loan purpose | Refinance - Cash Out | Refinance – Rate Term |
| 116 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 117 | Property type | Condo, Low Rise (4 or fewer stories) | Condo, High Rise (5+ stories) |
| 122 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 123 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 127 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 134 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 137 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 138 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |

---

**Exhibit 2 to Attachment A**

Page 5 of 7

---

| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage <br> <u>Loan Number</u>** | **<u>Sample Characteristic</u>** | **<u>Preliminary Data File Value</u>** | **<u>Source Document Value</u>** |
| 144 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 147 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 156 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 163 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 164 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 172 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 177 | Appraisal value | [Redacted] | [Redacted] |
| 182 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 184 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 194 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 195 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 196 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 197 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 210 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 211 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |

---

**Exhibit 2 to Attachment A**

Page 6 of 7

---

| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage <br> <u>Loan Number</u>** | **<u>Sample Characteristic</u>** | **<u>Preliminary Data File Value</u>** | **<u>Source Document Value</u>** |
| 218 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 223 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 224 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 226 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 229 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 230 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 235 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 237 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 240 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 248 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 249 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 250 | Property type | Single Family Detached (non-PUD) | 1 Family Attached |
|  | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |

---

**Exhibit 2 to Attachment A**

Page 7 of 7

---

| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage <br> <u>Loan Number</u>** | **<u>Sample Characteristic</u>** | **<u>Preliminary Data File Value</u>** | **<u>Source Document Value</u>** |
| 251 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 252 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 253 | Sale price | [Redacted] | [Redacted] |
|  | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 255 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 256 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |

---

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.2**

![](ex992001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans originated by multiple correspondent lenders and acquired from various parties by Morgan Stanley Mortgage Capital Holdings LLC and/or one of its affiliates (the "Client"). AMC performed the Review either (i) directly for Client on mortgage loan files provided by Client to AMC, or (ii) for third parties on mortgage loan files provided by such parties to AMC with results of such Review conveyed to the Client via Reliance Letter. The Review (including the Review related to Reliance Letter loans) was conducted from October 2025 through May 2026 on mortgage loans with origination dates from February 2025 through April 2026. The Review included loans reviewed under the Credit and Compliance Scope (127 mortgage loans) and the Leases Review Scope (31 loans), and the Leases Review Scope with Limited Compliance (93 loans). The mortgage loans (Credit and Compliance Scope) and the loans (Leases Review Scope) are together referred to as the Loans.

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

The Review was conducted on two hundred fifty-one (251) mortgage loans with an aggregate original principal balance of approximately $164.721 million.

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

AMC 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 AMC.

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

AMC compared data fields on the bid tape provided by Client to the data found in the actual file as captured by AMC. This comparison, when data was available, included the following data fields:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original As-Is LTV | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;City | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Current State | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;PITIA Reserves Months | &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)") used in the assessment of conformity guidelines.

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![](ex992001.jpg)

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

**<u>CREDIT REVIEW (127 Loans)</u>**

AMC reviewed asset origination documentation 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 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.

AMC reviewed asset origination documentation 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 guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with 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:** 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 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.

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines.

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

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![](ex992001.jpg)

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

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

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

**Title Review:** AMC's review included a 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(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.

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

**<u>LEASES REVIEW (124 Loans)</u>**

**<u>DOCUMENT REVIEW</u>**

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

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

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

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

**Credit Report:** AMC will verify (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and

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Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

**Employment and Income:** AMC will determine whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

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

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

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

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

**Title:** AMC will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC will also review the Title Commitment for the disclosure 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; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC will review for Oil, Gas, Water or Mineral rights.

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

**(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 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, 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

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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 AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception 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 AMC'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.

AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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

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

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

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

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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.

**Credit/Valuation/Limited Compliance Investment Occupancy Only (Exempt from ATR)**

This scope is limited to loans identified with an Occupancy type of Investment which is determined when the documentation provided in the loan file meets the following criteria:

● The consumer signed final 1003 reflects the occupancy as Investment; and

● The consumer's declarations on the final 1003 do not indicate that they intend to occupy the subject property; and

● The appraisal and occupancy certificate (if present in the loan file), do not indicate the consumer occupies or intends to occupy the subject property; and

● At least one of the following:

○ The appraisal indicates the property is tenant occupied; or

○ The file contains a business purpose certificate; or

○ The file contains an occupancy certificate attesting that the property will not be occupied as the consumer's primary residence or as the consumer's second home; or

○ The file includes other documentation evidencing investment occupancy.

Loans that do not meet the above criteria will be transferred to one of the other Scopes for review.

**<u>COMPLIANCE REVIEW (127 Loans)</u>**

Please be advised that AMC will 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 will uncover 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 will uncover 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.

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 any report prepared by AMC does 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 will review 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) 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

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consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

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

AMC will review each mortgage loan file to determine coverage, and if covered, verify compliance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>High Cost testing in Chicago Illinois and Cook County Illinois;</u> 

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Higher Priced testing in Connecticut, and Minnesota;</u> 

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

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

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).

&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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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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 is 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.

 

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;** 

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset documentation;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed circumstance documentation;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination Agreement;

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

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

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

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

**<u>LEASES & LIMITED COMPLIANCE REVIEW (93 Loans)</u>**

Includes Leases Review Scope with additional limited compliance review below.

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

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

with the following:

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

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

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

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

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

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

**(9) Disclaimer.**

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

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this

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Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Kroll Bond Rating Agency, LLC ("Kroll"), Moody's Investors Service, Inc. ("Moody's"), and S&P Global Ratings ("S&P").

**OVERALL RESULTS SUMMARY**

There were two hundred fifty-one (251) mortgage loans in the securitization population reviewed by AMC. After all documents were presented under the applicable NRSRO grading criteria, one hundred forty-two (142) (56.57%) loans had an Overall grade of "A", and one hundred nine (109) (43.43%) loans had an Overall loan grade of "B".

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;142 | &nbsp;&nbsp;56.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;109 | &nbsp;&nbsp;43.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**COMPLIANCE RESULTS SUMMARY**

Note the thirty-one (31) Leases (without Limited Compliance) were assigned a Compliance grade of N/A. Of the remaining two hundred twenty (220) loans reviewed, under the applicable NRSRO grading criteria, eighty-three (83) had a Compliance Review "B" grade. Loans with a Compliance Review grade of "B" may have multiple compliance exceptions; however, none are lower than a grade of "B."

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;137 | &nbsp;&nbsp;54.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;83 | &nbsp;&nbsp;33.07% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;31 | &nbsp;&nbsp;12.35% |

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**CREDIT RESULTS SUMMARY**

Of the two hundred fifty-one (251) mortgage loans, two hundred twelve (212) loans received an "A" Credit Review grade. The thirty-nine (39) "B" Credit Review grades were due to missing documentation and/or guideline adherence. Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;212 | &nbsp;&nbsp;84.46% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;39 | &nbsp;&nbsp;15.54% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**PROPERTY/VALUATION RESULTS SUMMARY**

Of the two hundred fifty-one (251) loans reviewed under the applicable NRSRO grading criteria, all loans received an "A" Property/Valuation Review grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;251 | &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;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**EXCEPTION CATEGORY SUMMARY**

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

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;50 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***96*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**96** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;4 |
| &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;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***43*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**43** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**139** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred fifty-one (251) mortgage loans reviewed, one hundred ninety-two (192) (76.49%) mortgage loans had tape discrepancies across thirty-four (34) unique data fields. The most common tape discrepancies were Note Date, Street and Original Loan Amount. AMC found generally that the DSCR and DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;15 | &nbsp;&nbsp;57 | &nbsp;&nbsp;26.32% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;15 | &nbsp;&nbsp;23 | &nbsp;&nbsp;65.22% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;37 | &nbsp;&nbsp;10.81% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;179 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;4 | &nbsp;&nbsp;7 | &nbsp;&nbsp;57.14% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower Current State | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;3 | &nbsp;&nbsp;7 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;7 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;180 | &nbsp;&nbsp;1.67% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;185 | &nbsp;&nbsp;1.08% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;136 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;7 | &nbsp;&nbsp;242 | &nbsp;&nbsp;2.89% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;7 | &nbsp;&nbsp;23 | &nbsp;&nbsp;30.43% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;5 | &nbsp;&nbsp;29 | &nbsp;&nbsp;17.24% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;82 | &nbsp;&nbsp;7.32% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;32 | &nbsp;&nbsp;179 | &nbsp;&nbsp;17.88% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;28 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;8 | &nbsp;&nbsp;179 | &nbsp;&nbsp;4.47% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;36 | &nbsp;&nbsp;121 | &nbsp;&nbsp;29.75% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;0 | &nbsp;&nbsp;179 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;60 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.57% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;53 | &nbsp;&nbsp;62 | &nbsp;&nbsp;85.48% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;223 | &nbsp;&nbsp;0.45% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original As-Is LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;29 | &nbsp;&nbsp;223 | &nbsp;&nbsp;13.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;13 | &nbsp;&nbsp;239 | &nbsp;&nbsp;5.44% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;43 | &nbsp;&nbsp;251 | &nbsp;&nbsp;17.13% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;69 | &nbsp;&nbsp;2.90% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;10 | &nbsp;&nbsp;23 | &nbsp;&nbsp;43.48% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;184 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;180 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |

---

16 \| P a g e

![](ex992001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;3 | &nbsp;&nbsp;191 | &nbsp;&nbsp;1.57% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;186 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;40 | &nbsp;&nbsp;238 | &nbsp;&nbsp;16.81% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;250 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;8 | &nbsp;&nbsp;99 | &nbsp;&nbsp;8.08% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;21 | &nbsp;&nbsp;243 | &nbsp;&nbsp;8.64% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1 | &nbsp;&nbsp;242 | &nbsp;&nbsp;0.41% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;52 | &nbsp;&nbsp;243 | &nbsp;&nbsp;21.40% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;27 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;5 | &nbsp;&nbsp;242 | &nbsp;&nbsp;2.07% | &nbsp;&nbsp;251 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**445** | &nbsp;&nbsp;**5673** | &nbsp;&nbsp;**7.84%** | &nbsp;&nbsp;**251** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;239 | &nbsp;&nbsp;95.22% | &nbsp;&nbsp;$152957380.00 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;12 | &nbsp;&nbsp;4.78% | &nbsp;&nbsp;$11763700.00 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$164721080.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;251 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$164721080.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$164721080.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$225500.00 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;91 | &nbsp;&nbsp;36.25% | &nbsp;&nbsp;$49696325.00 | &nbsp;&nbsp;30.17% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.59% | &nbsp;&nbsp;$3408250.00 | &nbsp;&nbsp;2.07% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;20 | &nbsp;&nbsp;7.97% | &nbsp;&nbsp;$16796995.00 | &nbsp;&nbsp;10.20% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;112 | &nbsp;&nbsp;44.62% | &nbsp;&nbsp;$77537410.00 | &nbsp;&nbsp;47.07% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;23 | &nbsp;&nbsp;9.16% | &nbsp;&nbsp;$17056600.00 | &nbsp;&nbsp;10.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$164721080.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;241 | &nbsp;&nbsp;96.02% | &nbsp;&nbsp;$152388617.00 | &nbsp;&nbsp;92.51% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.98% | &nbsp;&nbsp;$12332463.00 | &nbsp;&nbsp;7.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$164721080.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;127 | &nbsp;&nbsp;50.60% | &nbsp;&nbsp;$78048097.00 | &nbsp;&nbsp;47.38% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;13 | &nbsp;&nbsp;5.18% | &nbsp;&nbsp;$11253487.00 | &nbsp;&nbsp;6.83% |

---

17 \| P a g e

![](ex992001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.59% | &nbsp;&nbsp;$3064250.00 | &nbsp;&nbsp;1.86% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;53 | &nbsp;&nbsp;21.12% | &nbsp;&nbsp;$41124169.00 | &nbsp;&nbsp;24.97% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.20% | &nbsp;&nbsp;$588750.00 | &nbsp;&nbsp;0.36% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.39% | &nbsp;&nbsp;$1439350.00 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;18 | &nbsp;&nbsp;7.17% | &nbsp;&nbsp;$8312900.00 | &nbsp;&nbsp;5.05% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.98% | &nbsp;&nbsp;$6187250.00 | &nbsp;&nbsp;3.76% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.19% | &nbsp;&nbsp;$7303300.00 | &nbsp;&nbsp;4.43% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$1608745.00 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.19% | &nbsp;&nbsp;$5790782.00 | &nbsp;&nbsp;3.52% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$164721080.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;76 | &nbsp;&nbsp;30.28% | &nbsp;&nbsp;$86343648.00 | &nbsp;&nbsp;52.42% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;163 | &nbsp;&nbsp;64.94% | &nbsp;&nbsp;$72079585.00 | &nbsp;&nbsp;43.76% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;12 | &nbsp;&nbsp;4.78% | &nbsp;&nbsp;$6297847.00 | &nbsp;&nbsp;3.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$164721080.00** | &nbsp;&nbsp;**100.00%** |

---

18 \| P a g e

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.2 - Schedule 1**

![](ex99_001.jpg)

**Exception Grades**

**Run Date - 6/17/2026 2:00:07 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [Redact] | 9499045 | [Redact] | [Redact] | 34396805 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-14): Waived on Rate Lock: Collateral cleared by Custodian | 10/14/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9499045 | [Redact] | [Redact] | 34691707 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/10/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9610723 | [Redact] | [Redact] | 34542061 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-04): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9610723 | [Redact] | [Redact] | 34837166 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Miscellaneous<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Miscellaneous<br>Miscellaneous | Client elects to waive with compensating factors: LTV [Redacted]% where [Redacted]% is maximum.<br>Client elects to waive with compensating factors: Mortgage payment history: [Redacted] years timely payments including managing multiple mortgages<br>Client elects to waive with compensating factors: Property management experience: Subject owned since [Redacted] | Originator Pre-Close,Aggregator<br>[Redact]<br>Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator | Reviewer Comment (2026-02-19): Client elects to waive with compensating factors: Mortgage payment history: [Redacted] years timely payments including managing multiple mortgages, Property management experience: Subject owned since [Redacted] and LTV [Redacted]% where [Redacted]% is maximum.<br>Seller Comment (2026-02-17): Please see attached claims letter from [Redacted] to [Redacted]. One claim on the policy from [Redacted].<br>Seller Comment (2026-02-17): claims letter<br>Reviewer Comment (2026-02-04): Elevated to the client for review. HOI coverage in effect at closing was insufficient. Borrower obtained updated policy with sufficient coverage; however the coverage is required to be sufficient at or prior to closing. Seller provided a letter from the insurance company verifying no claims have been filed from the creation of the new policy.<br>Seller Comment (2026-02-04): Please see attached no claims letter showing there were no claims prior to the new policy.<br>Reviewer Comment (2026-01-07): Verifying sufficient coverage at or prior to closing is the only documentation that will clear the condition. Condition is valid and remains open<br>Seller Comment (2026-01-07): Please verify what you will accept to clear this one.<br>Reviewer Comment (2026-01-06): Updated policy provided verifying sufficient coverage; however the condition remains open as there was not sufficient coverage verified at or prior to closing.<br>Seller Comment (2026-01-06): Please see attached policy.<br>Reviewer Comment (2025-11-06): The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2025-11-04): Please see attached processor cert. |  |  | 02/19/2026 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9804815 | [Redact] | [Redact] | 34727559 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian | 03/26/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9804815 | [Redact] | [Redact] | 36116757 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | The file is missing proof of the undiscounted rate and undiscounted price to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2026-03-27): Proof of undiscounted rate and price provided and a portion of the discount points were bona fide.<br>Seller Comment (2026-03-25): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 03/27/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9804815 | [Redact] | [Redact] | 36116758 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | The file is missing proof of the undiscounted rate and undiscounted price to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2026-03-27): Proof of undiscounted rate and price provided and a portion of the discount points were bona fide.<br>Seller Comment (2026-03-25): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 03/27/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9804815 | [Redact] | [Redact] | 36116759 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | The file is missing proof of the undiscounted rate and undiscounted price to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2026-03-27): Proof of undiscounted rate and price provided and a portion of the discount points were bona fide.<br>Seller Comment (2026-03-25): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 03/27/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9804815 | [Redact] | [Redact] | 36116760 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [Redacted]% of the amount past due or grace period of less than [Redacted] days. | The file is missing proof of the undiscounted rate and undiscounted price to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2026-03-27): Proof of undiscounted rate and price provided and a portion of the discount points were bona fide.<br>Seller Comment (2026-03-25): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 03/27/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9804815 | [Redact] | [Redact] | 36116761 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). Non-Compliant High Cost Loan. | The file is missing proof of the undiscounted rate and undiscounted price to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2026-03-27): Proof of undiscounted rate and price provided and a portion of the discount points were bona fide.<br>Seller Comment (2026-03-25): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 03/27/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| [Redact] | 9804815 | [Redact] | [Redact] | 36116762 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | The file is missing proof of the undiscounted rate and undiscounted price to determine if any of the discount points are bona fide. |  |  |  | Reviewer Comment (2026-03-27): Proof of undiscounted rate and price provided and a portion of the discount points were bona fide.<br>Seller Comment (2026-03-25): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 03/27/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9804815 | [Redact] | [Redact] | 36116763 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted] - [Redacted]% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted] % is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2026-03-24): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/24/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9804815 | [Redact] | [Redact] | 36118592 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-23): Sufficient Cure Provided At Closing |  | 03/23/2026 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9804815 | [Redact] | [Redact] | 36118593 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-23): Sufficient Cure Provided At Closing |  | 03/23/2026 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9807839 | [Redact] | [Redact] | 34746644 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9807839 | [Redact] | [Redact] | 34946337 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9807839 | [Redact] | [Redact] | 34946361 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9809642 | [Redact] | [Redact] | 34772400 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-11): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. | 11/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9809642 | [Redact] | [Redact] | 34946625 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9809642 | [Redact] | [Redact] | 34946626 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9809642 | [Redact] | [Redact] | 34948172 |  | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines |  | Per the guidelines, [Redacted]% Interested party concessions are allowed; however the IPC's are [Redacted]%. The final CD verified $[Redacted] in seller concessions and a realtor credit of $[Redacted]. |  |  |  | Reviewer Comment (2026-03-04): Confirmation from the Real Estate Company confirmed the realtor credit provided was in lieu of the commission and is not considered an Interested Party Concession.<br>Seller Comment (2026-03-03): LOE<br>Reviewer Comment (2025-12-22): Required letter from the broker of the realtor company confirming guarantor is receiving relator credit for funds to close. Exception Remains.<br>Seller Comment (2025-12-19): With the purchase contract reflecting the borrower as the agent and the credit on the final CD reflecting realtor credit is that not sufficient? Or are they asking for a letter from the broker of the realtor company?<br>Reviewer Comment (2025-12-17): Lender rebuttal reviewed. The realtor credit can be excluded from the IPC's with documentation from the realty company confirming the guarantor is receiving the realtor credit for funds to close/closing costs. Condition remains<br>Seller Comment (2025-12-17): alta and loe<br>Reviewer Comment (2025-12-16): Updated comments: The guarantor is a realtor and was the agent on the loan. The realtor credit can be excluded from the IPC's with documentation from the realty company confirming the guarantor is receiving the realtor credit for funds to close/closing costs.<br>Reviewer Comment (2025-12-15): A principal reduction will not clear the condition. The only viable cure for the excessive IPC's is to reduce the sales price by the amount greater than the guideline requirement. For this loan, reducing the sales price by the $[Redacted] excessive IPC's would result in an LTV/CLTV > [Redacted]%, the guideline max and additional conditions will apply. Condition remains open<br>Seller Comment (2025-12-11): Will you accept a PR or a check cure to the borrower?<br>Reviewer Comment (2025-12-11): An acceptable cure for the excessive IPC's is to reduce the sales price by the amount greater than the guideline requirement. For this loan, reducing the sales price by the $[Redacted] excessing IPC's would result in an LTV/CLTV > [Redacted]%, the guideline max and additional conditions will apply.<br>Seller Comment (2025-12-11): Please advise what you will accept to cure this condition | 03/04/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9855427 | [Redact] | [Redact] | 34857386 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-26): Waived on Rate Lock: Collateral cleared by Custodian | 01/26/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9855427 | [Redact] | [Redact] | 35446908 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-01-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2026-01-13): [Redacted]: Please see the attached, [Redacted]% charges did not exceed baseline document // | 01/14/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9855427 | [Redact] | [Redact] | 35446909 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-01-14): [Redacted] received valid COC document<br>Seller Comment (2026-01-13): [Redacted]: Please see attached Rate Lock sheets and corresponding disclosure. On [Redacted] the DTI changed, affecting the [Redacted], negative pricing disclosed on the [Redacted]<br>Seller Comment (2026-01-13): [Redacted]: Please see attached Rate Lock sheets and corresponding disclosure. On [Redacted]the DTI changed, affecting the [Redacted], negative pricing disclosed on the [Redacted] | 01/14/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9855427 | [Redact] | [Redact] | 35451321 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 01/12/2026 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9855427 | [Redact] | [Redact] | 35475777 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-01-14): Sufficient Cure Provided At Closing |  | 01/14/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856877 | [Redact] | [Redact] | 34868918 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-23): Waived on Rate Lock: Collateral cleared by Custodian | 01/23/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856877 | [Redact] | [Redact] | 35447348 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The credit report fee was disclosed as $[Redacted] on the LE, the final CD shows the fee as $[Redacted] There was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2026-01-12): Sufficient Cure Provided At Closing |  | 01/12/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9896621 | [Redact] | [Redact] | 34938774 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9896621 | [Redact] | [Redact] | 35152645 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-12-05): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9917635 | [Redact] | [Redact] | 34980852 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-24): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 02/26/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9917635 | [Redact] | [Redact] | 35851006 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 02/19/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9917635 | [Redact] | [Redact] | 35851021 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-03-12): Received and associated Updated Hazard Insurance Policy. Exception cleared.<br>Seller Comment (2026-03-12): Please see attached policy.<br>Reviewer Comment (2026-03-10): Received same hazard policy, A dwelling is based on a estimate of the cost. The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2026-03-09): Please see attached policy. Please refer to the important information section on page [Redacted] that states the coverage A dwelling is based on an estimate of the cost to rebuild the home.<br>Reviewer Comment (2026-02-25): The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted] . Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2026-02-25): Response from processor: HOI is sufficient, please review section - The limit of liability for this structure (Coverage A: Dwelling) is based on an estimate of the cost to rebuild your home, including an approximate cost for labor and materials in your area, and specific information that you have provided about your home. | 03/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9953386 | [Redact] | [Redact] | 35000993 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-26): Waived on Rate Lock: Collateral cleared by Custodian | 01/26/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9953386 | [Redact] | [Redact] | 35358498 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The final 1003 did not identify the gift funds nor the realtor credit (borrower commission) in section [Redacted], Other assets, as required by the FNMA Selling guide, |  |  |  | Reviewer Comment (2026-02-09): Received and associated updated 1003. Exception cleared.<br>Seller Comment (2026-02-06): [Redacted]: Please see attached. Please note that the Gift is reflecting on page [Redacted].<br>Seller Comment (2026-01-13): [Redacted]: This is not a "Other Asset the borrower has" as this is not a liquid or non-liquid asset type per Fannie Mae guidelines. Rather, this is a credit that flows over from [Redacted] system to the Closing Disclosure Under [Redacted], just like any other transaction.<br>Reviewer Comment (2026-01-12): Required 1003 section [Redacted] reflecting realtor credit. Exception Remains.<br>Seller Comment (2026-01-12): [Redacted]: This is not a "Other Asset the borrower has" as this is not a liquid or non-liquid asset type per Fannie Mae guidelines. Rather, this is a credit that flows over from [Redacted] system to the Closing Disclosure Under [Redacted]. | 02/09/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9956980 | [Redact] | [Redact] | 35022828 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9977657 | [Redact] | [Redact] | 35054968 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian | 03/06/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9977657 | [Redact] | [Redact] | 35446229 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Guidelines require [Redacted] months VOR, however, there are only [Redacted] months in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Post close assets: [Redacted] [Redacted] months reserves where [Redacted] is required ([Redacted]X)<br>DTI [Redacted] where [Redacted] is maximum. With [Redacted] year job stability | [Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2026-01-12): Client elected to waive the condition with the following Compensating Factors:<br> Post close assets: [Redacted] [Redacted] months reserves where [Redacted] is required ([Redacted])<br> DTI [Redacted] where [Redacted] is maximum. With [Redacted] year job stability<br> LTV [Redacted] where [Redacted] is maximum. |  |  | 01/12/2026 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9983757 | [Redact] | [Redact] | 35136160 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian | 03/06/2026 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9983757 | [Redact] | [Redact] | 35814624 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-26): [Redacted] received LOE for fee name used for second appraisal fee.<br>Seller Comment (2026-02-25): Please see attached lenders Letter of Attestation.<br>Reviewer Comment (2026-02-17): [Redacted] received comment stating desktop appraisal and second appraisal are both synonymous. If both the fees are same as mentioned on comment than we would require LOX in order to clear the exception.<br>Seller Comment (2026-02-16): Disagree - The Appraisal Fee [Redacted] was initial Disclosed to the borrower on the initial LE as the Desktop Appraisal Fee. These [Redacted] fees are synonymous. | 02/26/2026 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9983757 | [Redact] | [Redact] | 35814625 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-17): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2026-02-16): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Credit Report. | 02/17/2026 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9983757 | [Redact] | [Redact] | 35924455 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-26): Sufficient Cure Provided At Closing |  | 02/26/2026 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 10007066 | [Redact] | [Redact] | 35171141 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-03): Waived on Rate Lock: Collateral cleared by Custodian | 03/03/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10007066 | [Redact] | [Redact] | 35789189 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/11/2026 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10007066 | [Redact] | [Redact] | 35789192 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Survey Fee not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made |  |  |  | Reviewer Comment (2026-02-11): Sufficient Cure Provided At Closing |  | 02/11/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 10008086 | [Redact] | [Redact] | 35177480 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-04): Waived on Rate Lock: Collateral cleared by Custodian | 03/04/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10008086 | [Redact] | [Redact] | 35930739 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [Redacted]% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2026-02-27): Client elected to waive the condition on the Non-QM [Redacted] lie |  |  | 02/27/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 10008083 | [Redact] | [Redact] | 35177481 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-27): Waived on Rate Lock: Collateral cleared by Custodian | 02/27/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 10008083 | [Redact] | [Redact] | 35893482 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [Redacted]% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2026-02-24): Client elected to waive the condition on the Non-QM 1st lien |  |  | 02/24/2026 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 10008083 | [Redact] | [Redact] | 35905564 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-24): Sufficient Cure Provided At Closing |  | 02/24/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 10066001 | [Redact] | [Redact] | 35272264 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-24): Waived on Rate Lock: Collateral cleared by Custodian | 03/24/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 10066001 | [Redact] | [Redact] | 35894149 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | RTC disclosed incorrect transaction and/or expiration date. |  |  |  | Reviewer Comment (2026-03-12): Rescission was re-opened. Revised NORTC, proof of delivery, and LOE provided.<br>Seller Comment (2026-03-10): [Redacted] Please see attached Right to cancel, Letter of explanation, final CD and Shipping label.<br>Reviewer Comment (2026-03-04): The Letter of Explanation is required as part of the TILA ROR cure requirements. Condition is valid and remains open<br>Seller Comment (2026-03-02): [Redacted] Disagree. Rescission was by the correspondent via e-sign and provided e-sign tracking along with the signed corrected right to cancel. Please provide the regulation that states a Letter of explanation is required.<br>Reviewer Comment (2026-02-27): The rescission was re-opened and the borrowers were provided a new three-day rescission period, however a copy of the letter of explanation sent to the borrowers was not provided. Condition remains<br>Seller Comment (2026-02-26): [Redacted] Please see attached. Rescission was reopened due to the right to cancel signed at closing not having correct amount of days. The borrower signed the new right to cancel on [Redacted] and the midnight date is [Redacted]. |  | 03/12/2026 |  | 2 C B |  | [Redact] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 10066001 | [Redact] | [Redact] | 35894151 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [Redacted]% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2026-02-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 02/25/2026 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 10066001 | [Redact] | [Redact] | 35894180 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 02/25/2026 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 10065994 | [Redact] | [Redact] | 35272278 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-16): Waived on Rate Lock: Collateral cleared by Custodian | 02/16/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10085114 | [Redact] | [Redact] | 35301600 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-09): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-05): (Rate Lock) [Redacted] | 03/09/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10085114 | [Redact] | [Redact] | 35952901 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/04/2026 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10085146 | [Redact] | [Redact] | 35302590 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-03): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 03/05/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10085148 | [Redact] | [Redact] | 35302598 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-10): Tracking Number [Redacted] | 02/12/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10085148 | [Redact] | [Redact] | 35759265 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | The file was missing a copy of the Verification of Identification. |  |  |  | Reviewer Comment (2026-02-24): Driver's license provided<br>Seller Comment (2026-02-23): DL<br>Reviewer Comment (2026-02-12): The Patriot Act form will not clear the condition. A copy of the driver's license, passport, etc. is required. Condition remains<br>Seller Comment (2026-02-11): Patriot Act Form | 02/24/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10085148 | [Redact] | [Redact] | 35759266 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the required fraud report including all interested parties to the transaction. |  |  |  | Reviewer Comment (2026-02-12): Fraud Report provided<br>Seller Comment (2026-02-11): Fraud report | 02/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10085148 | [Redact] | [Redact] | 35759269 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2026-02-12): Fraud Report provided<br>Seller Comment (2026-02-11): See Upload | 02/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10085148 | [Redact] | [Redact] | 35759333 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title Evidence is Missing in file. |  |  |  | Reviewer Comment (2026-02-12): Title commitment provided<br>Seller Comment (2026-02-11): Title | 02/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10085148 | [Redact] | [Redact] | 35759341 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  | Reviewer Comment (2026-02-12): Title commitment provided<br>Seller Comment (2026-02-11): See upload | 02/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10085148 | [Redact] | [Redact] | 35759376 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2026-03-04): Additional assets provided verifying sufficient reserves<br>Seller Comment (2026-03-02): There are no transactions listed after [Redacted] on the statement. You have [Redacted] statement that shows. I have attached [Redacted] statement to use [Redacted] and [Redacted]. There are still sufficient assets.<br>Reviewer Comment (2026-03-02): Additional assets provided were post-closing. The end date of the statement for account xx[Redacted] was [Redacted] and the loan closed [Redacted]. Post-close assets are not acceptable. Condition remains<br>Seller Comment (2026-02-27): Additional Assets<br>Reviewer Comment (2026-02-24): An updated statement for account xx[Redacted] was provided with an end date of [Redacted]. The balance on the statement was lower than the balance on the statement ending [Redacted] in the initial file. As a result, the reserve requirement was still not met. The reserves verified are insufficient by $[Redacted]. Condition is valid and remains open<br>Reviewer Comment (2026-02-24): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted].<br>Seller Comment (2026-02-23): See additional asset in account.<br>Reviewer Comment (2026-02-18): Funds from cash out refi of REO provided; however the reserve requirement was still not met. The assets verified are short by $[Redacted]. Note: retirement account used to qualify is allowed using [Redacted]% of the balance since the borrower is not of retirement age. Condition remains<br>Reviewer Comment (2026-02-18): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted].<br>Seller Comment (2026-02-17): Please see Final Settlement Statement for the sale of [Redacted]<br>Reviewer Comment (2026-02-12): The retirement account was included in the assets used to qualify. Per the guidelines, only [Redacted]% of the retirement account can be used to qualify since the borrower is not of retirement age. Per the final closing statement, the borrower needed $[Redacted] to close ($[Redacted] EMD + $[Redacted] POC fees + $[Redacted] cash due at closing). The verified assets in file were equal to $[Redacted] ($[Redacted] account xx[Redacted]; $[Redacted] IRA account xx[Redacted] @ [Redacted]%, EMD $[Redacted] and paid invoice for POC fee of $[Redacted]). As a result, the borrower is short funds to close of $[Redacted] and reserves of $[Redacted] ([Redacted] months PITIA @ $[Redacted]). Provide additional assets of at least $[Redacted] to verify sufficient funds to close and reserves is required. Condition is valid and remains open<br>Reviewer Comment (2026-02-12): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted].<br>Seller Comment (2026-02-11): Please advise. Pg [Redacted] [Redacted] with a $[Redacted] in retirement account. | 03/04/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10085148 | [Redact] | [Redact] | 35759380 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Guidelines require $[Redacted] of reserves, and verified reserves are $[Redacted]. |  |  |  | Reviewer Comment (2026-03-04): Additional assets provided verifying sufficient reserves<br>Seller Comment (2026-03-02): There are no transactions listed after [Redacted] on the statement. You have [Redacted] statement that shows. I have attached [Redacted] statement to use [Redacted] and [Redacted]. There are still sufficient assets.<br>Reviewer Comment (2026-03-02): Additional assets provided were post-closing. The end date of the statement for account xx[Redacted] was [Redacted] and the loan closed [Redacted]. Post-close assets are not acceptable. Condition remains<br>Seller Comment (2026-02-27): See upload<br>Reviewer Comment (2026-02-24): An updated statement for account xx[Redacted] was provided with an end date of [Redacted]. The balance on the statement was lower than the balance on the statement ending [Redacted] in the initial file. As a result, the reserve requirement was still not met. The reserves verified are insufficient by $[Redacted]. Condition is valid and remains open<br>Reviewer Comment (2026-02-24): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Guidelines require $[Redacted] of reserves, and verified reserves are $[Redacted].<br>Seller Comment (2026-02-23): See additional asset in account.<br>Reviewer Comment (2026-02-18): Funds from cash out refi of REO provided; however the reserve requirement was still not met. The assets verified are short by $[Redacted]. Note: retirement account used to qualify is allowed using [Redacted]% of the balance since the borrower is not of retirement age. Condition remains<br>Reviewer Comment (2026-02-18): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Guidelines require $[Redacted]of reserves, and verified reserves are $[Redacted].<br>Seller Comment (2026-02-17): See upload<br>Reviewer Comment (2026-02-12): The retirement account was included in the assets used to qualify. Per the guidelines, only [Redacted]% of the retirement account can be used to qualify since the borrower is not of retirement age. Per the final closing statement, the borrower needed $[Redacted] to close ($[Redacted] EMD + $[Redacted] POC fees + $[Redacted] cash due at closing). The verified assets in file were equal to $[Redacted] ($[Redacted] account xx[Redacted]; $[Redacted] IRA account xx[Redacted] @ [Redacted]%, EMD $[Redacted] and paid invoice for POC fee of $[Redacted]). As a result, the borrower is short funds to close of $[Redacted] and reserves of $[Redacted] ([Redacted] months PITIA @ $[Redacted]). Provide additional assets of at least $[Redacted] to verify sufficient funds to close and reserves is required. Condition is valid and remains open<br>Reviewer Comment (2026-02-12): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Guidelines require $[Redacted] of reserves, and verified reserves are $[Redacted].<br>Seller Comment (2026-02-11): Please advise. Pg [Redacted] [Redacted] with a $[Redacted] in retirement account. | 03/04/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10085148 | [Redact] | [Redact] | 35759381 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Guidelines require $[Redacted] of reserves, and verified reserves are $[Redacted]. |  |  |  | Reviewer Comment (2026-03-04): Additional assets provided verifying sufficient reserves<br>Seller Comment (2026-03-02): There are no transactions listed after [Redacted] on the statement. You have [Redacted] statement that shows. I have attached [Redacted] statement to use [Redacted] and [Redacted]. There are still sufficient assets.<br>Reviewer Comment (2026-03-02): Additional assets provided were post-closing. The end date of the statement for account xx[Redacted] was [Redacted] and the loan closed [Redacted]. Post-close assets are not acceptable. Condition remains<br>Seller Comment (2026-02-27): See upload<br>Reviewer Comment (2026-02-24): An updated statement for account [Redacted] was provided with an end date of [Redacted]. The balance on the statement was lower than the balance on the statement ending [Redacted] in the initial file. As a result, the reserve requirement was still not met. The reserves verified are insufficient by $[Redacted]. Condition is valid and remains open<br>Reviewer Comment (2026-02-24): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: $[Redacted], and verified reserves are $[Redacted].<br>Seller Comment (2026-02-23): See additional asset in account.<br>Reviewer Comment (2026-02-18): Funds from cash out refi of REO provided; however the reserve requirement was still not met. The assets verified are short by $[Redacted]. Note: retirement account used to qualify is allowed using [Redacted]% of the balance since the borrower is not of retirement age. Condition remains<br>Reviewer Comment (2026-02-18): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: $[Redacted], and verified reserves are $[Redacted].<br>Seller Comment (2026-02-17): See upload<br>Reviewer Comment (2026-02-12): The retirement account was included in the assets used to qualify. Per the guidelines, only [Redacted]% of the retirement account can be used to qualify since the borrower is not of retirement age. Per the final closing statement, the borrower needed $[Redacted] to close ($[Redacted] EMD + $[Redacted] POC fees + $[Redacted] cash due at closing). The verified assets in file were equal to $[Redacted] ($[Redacted] account xx[Redacted]; $[Redacted] IRA account xx[Redacted] @ [Redacted]%, EMD $[Redacted] and paid invoice for POC fee of $[Redacted]). As a result, the borrower is short funds to close of $[Redacted] and reserves of $[Redacted] ([Redacted] months PITIA @ $[Redacted]). Provide additional assets of at least $[Redacted] to verify sufficient funds to close and reserves is required. Condition is valid and remains open<br>Reviewer Comment (2026-02-12): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: $[Redacted], and verified reserves are $[Redacted].<br>Seller Comment (2026-02-11): Please advise. Pg [Redacted] [Redacted] with a $[Redacted] in retirement account. | 03/04/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10085148 | [Redact] | [Redact] | 35805960 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Upon further review, the borrower is short funds to close and reserves. Per the guidelines, only [Redacted]% of the retirement account can be used to qualify since the borrower is not of retirement age. Per the final closing statement, the borrower needed $[Redacted] to close ($[Redacted] EMD + $[Redacted] POC fees + $[Redacted] cash due at closing). The verified assets in file were equal to $[Redacted] ($[Redacted] account xx[Redacted]; $[Redacted] IRA account xx[Redacted] @ [Redacted]%, EMD $[Redacted] and paid invoice for POC fee of $[Redacted]). As a result, the borrower is short funds to close of $[Redacted] and reserves of $[Redacted] ([Redacted] months PITIA @ $[Redacted]). Provide additional assets of at least $[Redacted] to verify sufficient funds to close and reserves is required. |  |  |  | Reviewer Comment (2026-02-18): Proceeds from cash out refi of REO provided and there are sufficient funds to close.<br>Seller Comment (2026-02-17): See upload | 02/18/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10088799 | [Redact] | [Redact] | 35338274 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-23): [Redacted] - [Redacted]: Please see attached. | 04/01/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10088799 | [Redact] | [Redact] | 36149212 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 03/29/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10088799 | [Redact] | [Redact] | 36149229 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file was missing copy of E-Sign Consent Agreement. |  |  |  | Reviewer Comment (2026-03-31): E-consent provided<br>Seller Comment (2026-03-30): [Redacted]: Please see the attached // | 03/31/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10088799 | [Redact] | [Redact] | 36149247 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file was missing copy of Fraud Report |  |  |  | Reviewer Comment (2026-04-03): Fraud report provided<br>Reviewer Comment (2026-04-02): Received incomplete fraud report, please provide the complete fraud report with all the pages. Exception Remains.<br>Seller Comment (2026-04-01): [Redacted]: Please see the attached fraud report for the borrower. | 04/03/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10088799 | [Redact] | [Redact] | 36149252 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing copy of Fraud Report |  |  |  | Reviewer Comment (2026-04-03): Fraud report provided<br>Reviewer Comment (2026-04-02): Received incomplete fraud report, please provide the complete fraud report with all the pages. Exception Remains.<br>Seller Comment (2026-04-01): [Redacted]: Please see the attached fraud report for the borrower. | 04/03/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10088799 | [Redact] | [Redact] | 36149261 |  | Compliance | Compliance | Miscellaneous Compliance | TILA | Missing Document: Right to Cancel (RTC) not provided |  | The file was missing copy of Right to Cancel (RTC). |  |  |  | Reviewer Comment (2026-04-03): NORTC provided<br>Seller Comment (2026-04-02): [Redacted]: Please see the attached // | 04/03/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes |
| [Redact] | 10088799 | [Redact] | [Redact] | 36150970 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2026-03-31): Proof of receipt of appraisal provided | 03/31/2026 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10088799 | [Redact] | [Redact] | 36150971 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Missing proof of the borrowers' receipt of the appraisal at least three business days prior to closing. |  |  |  | Reviewer Comment (2026-03-31): Proof of receipt of appraisal provided<br>Seller Comment (2026-03-30): Disagree - Our Contract states that [Redacted] will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on [Redacted]. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant | 03/31/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10088799 | [Redact] | [Redact] | 36150972 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing proof of the borrowers' receipt of the appraisal at least three business days prior to closing. |  |  |  | Reviewer Comment (2026-03-31): Proof of receipt of appraisal provided<br>Seller Comment (2026-03-30): [Redacted]: Please see the attached Appraisal Delivery //<br>Seller Comment (2026-03-30): [Redacted] Disagree - Our Contract states that [Redacted] will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on [Redacted]. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant | 03/31/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10088799 | [Redact] | [Redact] | 36150973 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2026-03-27): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/27/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 10088799 | [Redact] | [Redact] | 36150977 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-04-03): [Redacted] received [Redacted] complete CD<br>Seller Comment (2026-04-02): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. | 04/03/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| [Redact] | 10088799 | [Redact] | [Redact] | 36150979 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. |  |  |  | Reviewer Comment (2026-04-03): NORTC provided<br>Seller Comment (2026-04-02): [Redacted]: Please see the attached // | 04/03/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 10088799 | [Redact] | [Redact] | 36150999 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Timing Regular Transactions | TILA-RESPA Integrated Disclosure - Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. | Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. |  |  |  | Reviewer Comment (2026-04-03): [Redacted] received [Redacted] complete CD<br>Seller Comment (2026-04-02): [Redacted]: Please see the attached //<br>Reviewer Comment (2026-03-31): The exception relates to the [Redacted] Interim CD which is missing page [Redacted] and thus missing the Loan Calculations & APR to test to the final CD. Final CD reflects that APR changed over .[Redacted]% from the [Redacted] Initial CD which was the next CD available for testing and with the Final CD APR change the timing would have fallen past the consummation date if correct timing was met. Please provide the missing pages of the [Redacted] CD and any proof of earlier receipt than mailbox rule in order to test that APR to the Initial & final CD's.<br>Seller Comment (2026-03-30): [Redacted]: Please clarify the DocID of the PCCD cited so we can further assist, latest CD from date of closing | 04/03/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10090025 | [Redact] | [Redact] | 35345644 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-24): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 02/26/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10090025 | [Redact] | [Redact] | 35850363 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application |  |  |  | Reviewer Comment (2026-03-04): Earlier disclosure provided<br>Seller Comment (2026-03-04): notice of appraisal<br>Reviewer Comment (2026-02-25): Appraisal acknowledgement dated on [Redacted] has [Redacted] options borrowers did not choose any hence we cannot consider this document, waiver of 3-day delivery is signed on [Redacted] can't consider for the right to receive copy of appraisal. Please provide "Right to Receive a Copy of Appraisal' disclosure to applicant within three (3) business days of application. Exception Remains.<br>Seller Comment (2026-02-24): Can you please provide clarification why the doc provided is not acceptable?<br> is this verbiage not satisfactory? this was signed by the borrowers on [Redacted]<br> If you wish to proceed with the loan closing, your signature will acknowledge either:<br> 1) Your receipt of the appraisal report [Redacted] or more business days prior to your loan closing, or, <br> alternatively,<br> 2) That you previously waived your right to review the appraisal report [Redacted] or more business <br> days prior to the closing of your loan.<br>Reviewer Comment (2026-02-23): Received 3-day delivery waiver. Please provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application. Exception Remains.<br>Seller Comment (2026-02-20): appraisal delivery | 03/04/2026 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10091987 | [Redact] | [Redact] | 35359032 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-09): Collateral delivered via [Redacted]tracking [Redacted]on [Redacted] | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10097943 | [Redact] | [Redact] | 35369490 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-24): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 02/26/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10097943 | [Redact] | [Redact] | 35872536 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | The members are First Time Home Buyers. The client approved an exception, however a copy of the fully executed exception approval was not in file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | [Redacted] DSCR is [Redacted] over minimum ([Redacted]).<br>$[Redacted] post-close reserves ([Redacted] months or [Redacted]x). | Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2026-03-05): Client elected to waive the condition with the following Compensating Factors:<br> [Redacted] DSCR is [Redacted] over minimum ([Redacted]). <br> $[Redacted] post-close reserves ([Redacted] months or [Redacted]x). <br> [Redacted]-year rental history paid as agreed.<br>Seller Comment (2026-03-05): [Redacted] [Redacted]<br>Reviewer Comment (2026-02-25): Please provide the Lender Exception form with [Redacted] format. Exception Remains.<br>Seller Comment (2026-02-25): sle |  |  | 03/05/2026 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10097942 | [Redact] | [Redact] | 35369539 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-11): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 02/13/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 10097942 | [Redact] | [Redact] | 35763336 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing. Loan file contains unsigned copies. |  |  |  | Reviewer Comment (2026-02-10): Fully executed business purpose cert provided<br>Seller Comment (2026-02-10): Please see attached business purpose certificate. | 02/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 10097942 | [Redact] | [Redact] | 35763464 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal 3 business days to closing. |  |  |  |  |  |  | 02/09/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 10097942 | [Redact] | [Redact] | 35763477 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Per guidelines, the minimum DSCR is [Redacted]. The calculated DSCR is [Redacted] and does not meet the guideline requirements. Note: the subject is a cash out refinance and does not meet the guideline requirements to allow a DSCR < [Redacted](purchase or rate/term refi only). |  |  |  | Reviewer Comment (2026-03-10): Received and associated updated 1003. Exception cleared.<br>Seller Comment (2026-03-09): Please see updated 1003.<br>Reviewer Comment (2026-02-25): Received DSCR worksheet, Tax amount on final is higher $[Redacted] however tax certificate is showing $[Redacted]. If there is no other taxes, please provide the updated 1003 with the proper tax amount. Exception Remains.<br>Seller Comment (2026-02-24): Please see attached DSCR worksheet. If there is discrepancy, please provide your calculation. | 03/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 10100146 | [Redact] | [Redact] | 35447329 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-19): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] | 02/23/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 10100146 | [Redact] | [Redact] | 35836088 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate in file was not executed. |  |  |  | Reviewer Comment (2026-02-20): Received and associated Business Purpose Certificate. Exception cleared.<br>Seller Comment (2026-02-19): Please see attached business purpose certificate. | 02/20/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 10100146 | [Redact] | [Redact] | 35836105 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate resolution document is missing in the file |  |  |  | Reviewer Comment (2026-02-20): Received and associated Operating Agreement. Exception cleared.<br>Seller Comment (2026-02-19): Please see attached operating agreement. | 02/20/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 10100146 | [Redact] | [Redact] | 35836107 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement document is missing in the file. |  |  |  | Reviewer Comment (2026-02-20): Received and associated Operating Agreement. Exception cleared.<br>Seller Comment (2026-02-19): Please see attached operating agreement. | 02/20/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 10100146 | [Redact] | [Redact] | 35836131 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | ECOA Receipt of Appraisal Without Waiver |  |  |  | Reviewer Comment (2026-03-09): Earlier disclosure provided<br>Reviewer Comment (2026-03-09): Received initial copy of right to receive copy of appraisal. Please provide signed copy of "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. Exception Remains.<br>Seller Comment (2026-03-06): Please see attached disclosure.<br>Reviewer Comment (2026-02-23): Please provide signed copy of "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. Exception Remains.<br>Seller Comment (2026-02-20): Please see the other considerations on page [Redacted] of the attached LE.<br>Reviewer Comment (2026-02-20): Received and Appraiser Waiver, please provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.. Exception Remains.<br>Seller Comment (2026-02-19): Please see attached disclosure. | 03/09/2026 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 10100146 | [Redact] | [Redact] | 35836136 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] |  |  |  | Reviewer Comment (2026-03-03): Considered the annuity account with a balance of $[Redacted] (using [Redacted]% of the ending balance).Exception Cleared.<br>Seller Comment (2026-03-02): Response from UW management: Borrower has plenty of assets. we are using checking accountxxxx[Redacted] with a ending balance of $[Redacted] and annuity account with a balance of $[Redacted] (using [Redacted]% of ending balance). | 03/03/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 10103315 | [Redact] | [Redact] | 35472772 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-24): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-20): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 02/24/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10103315 | [Redact] | [Redact] | 35837299 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The homeowner's insurance declarations page in the file verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2026-03-11): Updated HOI with corrected dates. Exception cleared.<br>Seller Comment (2026-03-10): hoi | 03/11/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10103315 | [Redact] | [Redact] | 35837304 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Copy of Note Addendum - Prepayment is not available in file. |  |  |  | Reviewer Comment (2026-02-25): Received and associated Note Addendum - Prepayment. Exception cleared.<br>Seller Comment (2026-02-25): ppp addendum to note | 02/25/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | Yes |
| [Redact] | 10103315 | [Redact] | [Redact] | 35837334 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification of appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/18/2026 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10103315 | [Redact] | [Redact] | 35842360 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 02/18/2026 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10103318 | [Redact] | [Redact] | 35473414 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-27): Waived on Rate Lock: Collateral cleared by Custodian | 02/27/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 10103318 | [Redact] | [Redact] | 35861115 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-20): Sufficient Cure Provided At Closing |  | 02/20/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 10104178 | [Redact] | [Redact] | 35481427 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-16): Waived on Rate Lock: Collateral cleared by Custodian | 02/16/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10104523 | [Redact] | [Redact] | 35497720 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 03/12/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10104523 | [Redact] | [Redact] | 35979172 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The file is missing all docs to verify the LLC, required by the guidelines. |  |  |  | Reviewer Comment (2026-03-10): Received and associated Articles of Organization/Formation. Exception cleared.<br>Seller Comment (2026-03-09): Please see attached articles of formation | 03/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10104523 | [Redact] | [Redact] | 35979675 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The file is missing all docs to verify the LLC, required by the guidelines. |  |  |  | Reviewer Comment (2026-03-11): Received and associated Certificate of Good Standing. Exception cleared.<br>Seller Comment (2026-03-10): Please see attached showing business is active. | 03/11/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10104523 | [Redact] | [Redact] | 35979716 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The file is missing all docs to verify the LLC, required by the guidelines. |  |  |  | Reviewer Comment (2026-03-10): Received and associated Operating Agreement. Exception cleared.<br>Seller Comment (2026-03-09): Please see attached operation agreement. | 03/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10104523 | [Redact] | [Redact] | 35979760 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | The file is missing all docs to verify the LLC, required by the guidelines. |  |  |  | Reviewer Comment (2026-03-10): Received and associated Employer Identification Number (EIN). Exception cleared.<br>Seller Comment (2026-03-09): Please see attached EIN letter. | 03/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10104523 | [Redact] | [Redact] | 35979788 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The file is missing all docs to verify the LLC, required by the guidelines. |  |  |  | Reviewer Comment (2026-03-10): Received and associated Operating Agreement. Exception cleared.<br>Seller Comment (2026-03-09): Please see attached operation agreement. | 03/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10106091 | [Redact] | [Redact] | 35511659 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-25): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 02/26/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10106091 | [Redact] | [Redact] | 35850909 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Provided Business Purpose Certificate is not signed. |  |  |  | Reviewer Comment (2026-02-23): Received and associated Business Purpose Certificate. Exception Cleared.<br>Seller Comment (2026-02-23): Business purpose | 02/23/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10106091 | [Redact] | [Redact] | 35850915 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | File is missing a copy of Cash-Out Utilization. |  |  |  | Reviewer Comment (2026-03-04): BPL disclosure provided<br>Seller Comment (2026-03-04): See biz purpose affidavit. no actual LOX is needed.<br>Reviewer Comment (2026-03-02): Please provide a letter of explanation showing reason for refinance cashout utilization. Exception Remains.<br>Seller Comment (2026-02-27): Please see the business purpose certificate provided on [Redacted]. | 03/04/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10106114 | [Redact] | [Redact] | 35513380 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/05/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10107044 | [Redact] | [Redact] | 35582845 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian | 02/26/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10107044 | [Redact] | [Redact] | 35893632 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-05): [Redacted] received initial CD dated[Redacted].<br>Seller Comment (2026-03-04): Please see the attached Closing Disclosure and TRID worksheet with proof that the borrower was sent an Initial Closing Disclosure on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted].<br>Seller Comment (2026-03-04): Please see the attached Closing Disclosure and TRID worksheet with proof that the borrower was sent an Initial Closing Disclosure on [Redacted] and the [Redacted] rule was applied. This meets the [Redacted] business days before the closing date of [Redacted].<br>Reviewer Comment (2026-02-26): [Redacted] received CD dated [Redacted] with borrower consented on [Redacted]. Based on the required three-business-day timing for the initial CD, our calculation is as follows:Day [Redacted]: [Redacted] - [Redacted] Birthday (Federal Holiday) - Not a business day; Day [Redacted]: [Redacted] - [Redacted] - Business Day;Day [Redacted]: [Redacted] - [Redacted]- Business Day. Since [Redacted] is a federal holiday and cannot be counted, the CD dated [Redacted] does not meet the requirement of being provided three business days prior to the closing date ([Redacted]).Kindly provide initial CD three business days prior to closing date.<br>Seller Comment (2026-02-25): Please see the attached CD signed on [Redacted] which meets the [Redacted] day cooling off requirements with a closing date of [Redacted] | 03/05/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 10107044 | [Redact] | [Redact] | 35893653 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender qualified with bank statement income and split the income [Redacted] between the borrower and the co-borrower. However, the [Redacted] docs in file and the CPA letter confirmed the borrower is [Redacted]% owner. Provide a revised 1008 and 1003 identifying the income in the borrower's name only. |  |  |  | Reviewer Comment (2026-03-02): Revised 1003 and 1008 provided<br>Seller Comment (2026-02-27): [Redacted] - [Redacted]: Please see attached. | 03/02/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10107141 | [Redact] | [Redact] | 35585489 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-10): (Rate Lock) [Redacted] | 03/12/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10107141 | [Redact] | [Redact] | 35983965 |  | Credit | Missing Document | General | Missing Document | Missing Document: Relationship Letter not provided |  | Relationship Letter is missing in file. Per guidelines, a signed and dated letter of explanation (LOE) from borrower stating relationship to <br> seller and reason for the purchase is required. |  |  |  | Reviewer Comment (2026-04-30): LOE from borrower provided detailing the relationship to the seller and the reason for the purchase.<br>Seller Comment (2026-04-30): Attaching borrower signed LOE to clear. The LOE confirms [Redacted], seller, is the borrower's father-in-law and states the property was purchased for investment income. This satisfies the requested relationship to seller and reason for purchase documentation. Please Clear.<br>Reviewer Comment (2026-04-24): Based on the guideline '3.2. Non-Arm's Length Transaction: Signed and dated letter of explanation (LOE) from borrower stating relationship to seller and reason for the purchase' required. A gift letter will not be considerable as a relationship letter. Please provide the relationship letter. Exception Remains.<br>Seller Comment (2026-04-23): The relationship is disclosed by the borrower on the signed and dated gift letter on page [Redacted]. The relationship has been disclosed as Son-in-law/Father-in-law. Again please provide the guideline that requires a prescribed specific form to be signed and dated. Please cancel<br>Reviewer Comment (2026-04-23): It is non arm length transaction required Relationship Letter to confirm relationship between seller & buyer to clear this condition. Exception Remains.<br>Seller Comment (2026-04-23): That is correct that the gift letter doesn't provide the reason for the purchase, however the signed and dated Business Purpose and Occupancy Affidavit from the borrower on page [Redacted] states the reason is for an investment and that he and his family will not occupy. If you are indicating the guidelines require these two elements to be on one letter please provide the guideline so we can review.<br>Reviewer Comment (2026-04-22): The gift letter does not explain the reason for the purchase as specifically required per the guidelines. The condition is valid and remains open<br>Seller Comment (2026-04-21): The signed and dated gift letter on page [Redacted] states from the borrower their relationship to the seller. The signed and dated Business Purpose and Occupancy Affidavit on page [Redacted] states from the borrower the reason for the purchase is an investment property that won't be occupied by himself or his family. Both elements of the LOE requirement have been obtained as required to adhere to the guidelines. Please cancel.<br>Reviewer Comment (2026-04-13): Non-arms length transaction. Per guidelines, a signed and dated letter of explanation (LOE) from borrower stating relationship to <br> seller and reason for the purchase is required. Exception Remains.<br>Seller Comment (2026-04-10): Page [Redacted] of [Redacted] ([Redacted]) contains a fully executed gift letter documenting the relationship between the donor and borrower as father/son-in-law. This satisfies the requirement for documenting the relationship and reason for the transaction. Please Cancel. | 04/30/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10107141 | [Redact] | [Redact] | 35984011 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2026-03-05): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/05/2026 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 10107141 | [Redact] | [Redact] | 35993885 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Loan Payoff Statement not provided |  | Per the guidelines, for non-arm's length transactions, a payoff statement showing the mortgage is current and no penalties/late fees is required to confirm this transaction is not a foreclosure bailout. |  |  |  | Reviewer Comment (2026-04-08): Received Mortgage Loan Payoff Statement. Exception cleared.<br>Seller Comment (2026-04-07): Attached the mortgage payoff statement is included in the loan file from [Redacted] for the subject property located at [Redacted]. The document reflects a current unpaid principal balance of $[Redacted] and total payoff amount due of $[Redacted], valid through [Redacted], confirming the loan status and payoff details. Please Clear. | 04/08/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10109700 | [Redact] | [Redact] | 35603938 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-17): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/19/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10109700 | [Redact] | [Redact] | 36036485 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The commitment title report in file disclosed $[Redacted] of title insurance Coverage; however, this is less than the loan amount of $[Redacted]. |  |  |  |  |  |  | 03/11/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10111715 | [Redact] | [Redact] | 35619565 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-13): collateral was delivered [Redacted] via [Redacted] tracking [Redacted] | 02/18/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 10111715 | [Redact] | [Redact] | 35760093 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2026-03-13): Final title provided | 03/13/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 10111715 | [Redact] | [Redact] | 35760440 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/09/2026 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 10111715 | [Redact] | [Redact] | 35763265 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | The file is missing the Verification of Mortgage for the 2nd lien disclosed on title with an original principal balance of $[Redacted]. Note: the file contained a VOM sent to the note holder; however it was blank. |  |  |  | Reviewer Comment (2026-02-12): VOM provided<br>Seller Comment (2026-02-11): vom | 02/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 10111715 | [Redact] | [Redact] | 35763275 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing proof the 2nd lien on title, with an original balance of $[Redacted], was paid in full. Payoff was not disclosed on the final CD and the file does not contain the satisfaction referenced in the email conversation in file with the holder of the Note. |  |  |  | Reviewer Comment (2026-03-13): Final title provided<br>Seller Comment (2026-03-13): title<br>Reviewer Comment (2026-02-12): The VOM provided will not clear the condition. Proof the lien was paid in full is required. Condition remains<br>Seller Comment (2026-02-11): vom | 03/13/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 10111715 | [Redact] | [Redact] | 35763638 |  | Credit | Document Error | General | Document Error | Loan is cross collateralized and release provisions = No |  | The file is missing proof the 1st lien on title has been released. Payoff on the CD was less than the payoff per the payoff statement in file. Note: it appears the mortgage being paid off was a blanket mortgage including other properties, but the file is missing proof the entire lien will be released/satisfied and the subject lien will be in first position. The final title policy will be sufficient to clear this condition. |  |  |  | Reviewer Comment (2026-03-13): Final title provided | 03/13/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 10111716 | [Redact] | [Redact] | 35619589 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-13): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 02/18/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10111716 | [Redact] | [Redact] | 35760983 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2026-03-13): Final title provided | 03/13/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10111716 | [Redact] | [Redact] | 35763532 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | The file is missing the Verification of Mortgage for the 2nd lien disclosed on title with an original principal balance of $[Redacted]. Note: the file contained a VOM sent to the note holder; however it was blank. |  |  |  | Reviewer Comment (2026-02-12): VOM provided<br>Seller Comment (2026-02-12): vom | 02/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10111716 | [Redact] | [Redact] | 35763603 |  | Credit | Document Error | General | Document Error | Loan is cross collateralized and release provisions = No |  | The file is missing proof the 1st lien on title has been released. Payoff on the CD was less than the payoff per the payoff statement in file. Note: it appears the mortgage being paid off was a blanket mortgage including other properties, but the file is missing proof the entire lien will be released/satisfied and the subject lien will be in first position. The final title policy will be sufficient to clear this condition. |  |  |  | Reviewer Comment (2026-03-13): Final title provided<br>Seller Comment (2026-03-13): title | 03/13/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10111722 | [Redact] | [Redact] | 35620184 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10139382 | [Redact] | [Redact] | 35636062 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-04): Waived on Rate Lock: Collateral cleared by Custodian | 03/04/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Home Improvement | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10139382 | [Redact] | [Redact] | 35917218 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and [Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2026-02-25): Client elected to waive the condition on the Non-QM [Redacted] lien |  |  | 02/25/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Home Improvement | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 10143548 | [Redact] | [Redact] | 35652330 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-09): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-05): Tracking Number [Redacted] | 03/09/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10143548 | [Redact] | [Redact] | 35946372 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 03/04/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10143552 | [Redact] | [Redact] | 35654295 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-17): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 03/18/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 10143552 | [Redact] | [Redact] | 36052769 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file was missing Business Purpose Certificate. |  |  |  | Reviewer Comment (2026-03-18): Received and associated Business Purpose Certificate. Exception cleared.<br>Seller Comment (2026-03-17): Please see attached business purpose certificate. | 03/18/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 10143552 | [Redact] | [Redact] | 36052770 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Cash-Out Utilization not provided. |  |  |  | Reviewer Comment (2026-03-18): Received and associated Business Purpose Certificate. Exception Cleared.<br>Seller Comment (2026-03-18): Please see attached business purpose certificate. | 03/18/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 10143552 | [Redact] | [Redact] | 36057295 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/13/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 10143567 | [Redact] | [Redact] | 35654697 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-16): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-12): Collateral delivered on [Redacted]via [Redacted] tracking number [Redacted]. | 03/16/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10143567 | [Redact] | [Redact] | 35995831 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Receipt of Appraisal Without Waiver |  |  |  |  |  |  | 03/09/2026 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10145878 | [Redact] | [Redact] | 35656210 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-03): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] | 03/05/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10146541 | [Redact] | [Redact] | 35682050 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian | 03/18/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10146543 | [Redact] | [Redact] | 35682139 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-09): Collateral delivered via [Redacted] tracking [Redacted] on [Redacted] | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10146816 | [Redact] | [Redact] | 35693310 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-09): Collateral delivered via [Redacted] tracking [Redacted] on [Redacted] | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10146815 | [Redact] | [Redact] | 35693413 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10146815 | [Redact] | [Redact] | 35938468 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 03/03/2026 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10148129 | [Redact] | [Redact] | 35702804 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10148921 | [Redact] | [Redact] | 35714083 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-02): Waived on Rate Lock: Collateral cleared by Custodian | 03/02/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10148921 | [Redact] | [Redact] | 35889845 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud report. |  |  |  | Reviewer Comment (2026-03-03): Received and associated Fraud Report. Exception cleared.<br>Seller Comment (2026-03-02): Fraud Report | 03/03/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10148921 | [Redact] | [Redact] | 35889860 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file is missing a copy of the Fraud report. |  |  |  | Reviewer Comment (2026-03-04): Fraud Report provided<br>Seller Comment (2026-03-04): Fraud Report | 03/04/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10148921 | [Redact] | [Redact] | 35889865 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/25/2026 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10148922 | [Redact] | [Redact] | 35714216 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-02): Waived on Rate Lock: Collateral cleared by Custodian | 03/02/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10148922 | [Redact] | [Redact] | 35916605 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/25/2026 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10148922 | [Redact] | [Redact] | 35917106 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | The file is missing 60 days history for the checking account xx[Redacted]. The VOD in file verified a period of [Redacted] and no additional months statement was provided. |  |  |  | Reviewer Comment (2026-03-09): Two consecutive month bank statements are received. Exception cleared.<br>Seller Comment (2026-03-06): Attached | 03/09/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10150171 | [Redact] | [Redact] | 35724503 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-09): Tracking Number [Redacted] | 03/10/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10150314 | [Redact] | [Redact] | 35726188 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10150314 | [Redact] | [Redact] | 35948897 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/04/2026 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10150315 | [Redact] | [Redact] | 35726327 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-02): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-27): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] | 03/02/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10151253 | [Redact] | [Redact] | 35735264 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian | 03/11/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10151821 | [Redact] | [Redact] | 35754896 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-16): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/18/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10151821 | [Redact] | [Redact] | 35996030 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA Receipt of Appraisal Without Waiver |  |  |  |  |  |  | 03/09/2026 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10151822 | [Redact] | [Redact] | 35754990 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-19): Collateral delivered on[Redacted] via [Redacted] tracking number [Redacted] | 03/20/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10151823 | [Redact] | [Redact] | 35755310 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian | 03/26/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 10151823 | [Redact] | [Redact] | 36121741 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing |  | 03/24/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 10151823 | [Redact] | [Redact] | 36140861 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-03-24): Client elected to waive the condition |  |  | 03/24/2026 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 10153407 | [Redact] | [Redact] | 35762196 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-02): Waived on Rate Lock: Collateral cleared by Custodian | 03/02/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10153410 | [Redact] | [Redact] | 35763299 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-18): See attached collateral package with tracking # | 03/20/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10153410 | [Redact] | [Redact] | 36076047 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]. |  |  |  | Reviewer Comment (2026-03-17): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/17/2026 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 10153410 | [Redact] | [Redact] | 36076050 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-16): Sufficient Cure Provided At Closing |  | 03/16/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 10153410 | [Redact] | [Redact] | 36076074 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The valuation address does not match the Note address. The appraisal report reflects the city as [Redacted], whereas the Note document reflects the city as [Redacted]. |  |  |  | Reviewer Comment (2026-03-19): As per the letter of explanation, [Redacted] states that [Redacted], [Redacted], [Redacted] is also known as[Redacted], [Redacted], [Redacted].Exception Cleared<br>Seller Comment (2026-03-18): Please see attached [Redacted] in in [Redacted]. They are interchangeable. | 03/19/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10153410 | [Redact] | [Redact] | 36081660 |  | Credit | System | General | System | AUS/Approval Subject Address does not match Note address. |  | AUS/Approval Subject City of [Redacted] does not match Note City of [Redacted]. |  |  |  | Reviewer Comment (2026-03-19): As per the letter of explanation, [Redacted] states that [Redacted] is also known as [Redacted].Exception Cleared<br>Seller Comment (2026-03-18): See trailing docs. [Redacted] is in [Redacted][Redacted]. | 03/19/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10153410 | [Redact] | [Redact] | 36081943 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Fully executed and complete Final 1003 not provided. |  |  |  | Reviewer Comment (2026-03-18): Received and associated 1003 Final. Exception cleared.<br>Seller Comment (2026-03-18): See attached final signed 1003 | 03/18/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10153430 | [Redact] | [Redact] | 35763659 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10153430 | [Redact] | [Redact] | 35948862 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 03/04/2026 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10153430 | [Redact] | [Redact] | 35948875 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final is missing in loan file. |  |  |  | Reviewer Comment (2026-03-12): Final 1003 provided<br>Seller Comment (2026-03-11): 1003 | 03/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10153430 | [Redact] | [Redact] | 35948901 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | Universal Loan Identifier is not provided. |  |  |  | Reviewer Comment (2026-03-09): ULI provided<br>Seller Comment (2026-03-06): 1003 | 03/09/2026 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10153430 | [Redact] | [Redact] | 35967430 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file is missing the settlement statement to verify the 1031 Exchange funds identified on page [Redacted] of the CD of $[Redacted]. |  |  |  | Reviewer Comment (2026-03-20): Received Closing Settlement Statement. Exception cleared.<br>Seller Comment (2026-03-20): Please see attached signed ALTA settlement statement.<br>Reviewer Comment (2026-03-18): A buyer settlement statement is required to verify the exchange funds. Exception Remains.<br>Seller Comment (2026-03-18): signed sellers cd<br>Seller Comment (2026-03-18): ss<br>Reviewer Comment (2026-03-16): Please provide signed Settlement Statement.<br>Seller Comment (2026-03-16): please advise if the docs needs to be signed or will you accept the document without it signed. | 03/20/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10153702 | [Redact] | [Redact] | 35764273 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian | 03/26/2026 |  |  | 1 A |  | [Redact] | Second Home | Purchase | A | Non QM | Non QM | No |
| [Redact] | 10153702 | [Redact] | [Redact] | 36088414 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-18): Sufficient Cure Provided At Closing |  | 03/18/2026 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 10153701 | [Redact] | [Redact] | 35764275 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-27): Waived on Rate Lock: Collateral cleared by Custodian | 02/27/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10153706 | [Redact] | [Redact] | 35764276 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-27): Waived on Rate Lock: Collateral cleared by Custodian | 02/27/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10153992 | [Redact] | [Redact] | 35772428 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-25): Tracking Number [Redacted] | 02/26/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10153992 | [Redact] | [Redact] | 35892878 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/24/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10154003 | [Redact] | [Redact] | 35772640 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-25): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 02/26/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10154397 | [Redact] | [Redact] | 35773434 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-25): Tracking Number [Redacted] | 02/26/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10154397 | [Redact] | [Redact] | 35855579 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/23/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10154398 | [Redact] | [Redact] | 35773974 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-05): Waived on Rate Lock: Collateral cleared by Custodian | 03/05/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10154398 | [Redact] | [Redact] | 35934353 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2026-03-02): Client elected to waive the condition on the Non-QM [Redacted] lien |  |  | 03/02/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 10154398 | [Redact] | [Redact] | 35934359 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 03/03/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10154398 | [Redact] | [Redact] | 35951135 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  | 03/03/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10154998 | [Redact] | [Redact] | 35791263 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian | 03/18/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10154998 | [Redact] | [Redact] | 36064842 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 03/16/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10154998 | [Redact] | [Redact] | 36064909 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Client approved exception for Guidelines state the maximum loan size for a cash-out refinance is [Redacted] million. The borrower would like to do a cash out transaction with a $[Redacted] total loan amount. The borrower provided an explanation on the intent of the transaction. The amount of cash back the borrower would be getting is [Redacted], the LTV would be [Redacted]% and the DTI is [Redacted]% | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Reserves of [Redacted] months where [Redacted] is minimum ([Redacted]X)<br>LTV [Redacted] where [Redacted] is maximum ([Redacted]) | [Redact]<br>[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2026-03-16): Client elected to waive the condition with the following Compensating Factors:<br> Credit Depth: Trade history dates to [Redacted] and mortgage history dates to [Redacted] paid timely.<br> LTV [Redacted] where [Redacted] is maximum ([Redacted])<br> Reserves of [Redacted] months where [Redacted] is minimum ([Redacted]) |  |  | 03/16/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10154999 | [Redact] | [Redact] | 35791684 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-10): Tracking Number [Redacted] | 03/12/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10154999 | [Redact] | [Redact] | 35991112 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | Missing required Transcript (1040) or W-2 Transcript. |  |  |  | Reviewer Comment (2026-03-11): Received and associated W2 transcrips. Exception cleared.<br>Seller Comment (2026-03-10): transcripts | 03/11/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10154999 | [Redact] | [Redact] | 35992833 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date(s) on Notice of Right to Cancel of [Redacted] occurs prior to expected date of [Redacted]. |  |  |  | Reviewer Comment (2026-03-25): Revised NORTC, proof of delivery, and LOE provided.<br>Seller Comment (2026-03-23): Please see the top of the cover letter, RTC was sent via [Redacted] on [Redacted] and signed the same day. The RTC also reflected time stamps.<br>Reviewer Comment (2026-03-19): Received letter to borrower and new NORTC, however, the proof of delivery and borrower receipt is still missing. Please provide.<br>Seller Comment (2026-03-18): revise RTC<br>Reviewer Comment (2026-03-12): The transaction date on the NORTC was [Redacted] and the expiration date was [Redacted]. The NORTC was executed [Redacted] and the borrower did not receive a three day rescission. The expected expiration date, based on the [Redacted] transaction date/signature date is [Redacted]. Rescission is required to be re-opened. Provide a revised NORTC, giving the borrower(s) a new three-day rescission, a copy of the letter of explanation sent to the borrowers and proof of receipt. Note: the condition cannot be cured until after the new rescission period expires. Condition is valid and remains open<br>Seller Comment (2026-03-10): Please clarify, the RTC was signed on [Redacted] and the loan was disbursed on [Redacted], which met the [Redacted] day timeframe. |  | 03/25/2026 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 10154999 | [Redact] | [Redact] | 35992872 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. |  |  |  | Reviewer Comment (2026-03-13): RCE provided<br>Seller Comment (2026-03-13): replacement cost calc reflecting a lower amount and coverage was sufficient<br>Reviewer Comment (2026-03-11): [Redacted]% of extended coverage is considered. The insurance coverage is not covering the loan amount of $[Redacted]. We have shortage of $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2026-03-10): Please cancel the condition; HOI on page [Redacted] [Redacted], reflected [Redacted]% replacement cost (located under Net Premium on the document) and satisfied section B7-3-02 of the FNMA selling guide using the lesser of the two calculations. | 03/13/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10154999 | [Redact] | [Redact] | 35996408 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-12): Additional statement provided<br>Seller Comment (2026-03-10): transcripts uploaded | 03/12/2026 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| [Redact] | 10154999 | [Redact] | [Redact] | 35996409 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Asset Depletion Income | Ability to Repay (Dodd-Frank 2014): Unable to verity asset depletion income due to, bank statement provided was dated more than 90 days prior to closing. | The retirement statement in file used to calculate the Asset Depletion used to qualify was > 120 days old. The quarterly statement in file has an end date of [Redacted]. Provide the recent statement(s) dated within 120 days of closing. |  |  |  | Reviewer Comment (2026-03-12): Additional statement provided<br>Seller Comment (2026-03-11): updated statements for [Redact] with a higher balance of $[Redacted] | 03/12/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10154999 | [Redact] | [Redact] | 35996410 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-12): Additional statement provided | 03/12/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10155281 | [Redact] | [Redact] | 35794846 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-16): Waived on Rate Lock: Collateral cleared by Custodian | 03/16/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10155400 | [Redact] | [Redact] | 35795450 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-17): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/19/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10155400 | [Redact] | [Redact] | 36013335 |  | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted] [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  | Reviewer Comment (2026-03-17): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty under [Redacted] is allowable under law.<br>Reviewer Comment (2026-03-12): Elevated to the client for review<br>Seller Comment (2026-03-11): LOE |  |  | 03/17/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10155403 | [Redact] | [Redact] | 35795751 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-04): (Rate Lock) Per tracking [Redacted] the Note was delivered on [Redacted] | 03/06/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10155403 | [Redact] | [Redact] | 35940187 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2026-03-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/03/2026 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 10155403 | [Redact] | [Redact] | 35940218 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report missing in the file. |  |  |  | Reviewer Comment (2026-03-04): Fraud report provided<br>Seller Comment (2026-03-04): (Rate Lock) certificates<br>Seller Comment (2026-03-04): (Rate Lock) Fraud report | 03/04/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10155403 | [Redact] | [Redact] | 35940222 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 03/03/2026 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10155403 | [Redact] | [Redact] | 35940227 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report missing in the file. |  |  |  | Reviewer Comment (2026-03-04): Fraud report provided<br>Seller Comment (2026-03-04): (Rate Lock) Per tracking [Redacted] the Note was delivered on [Redacted]<br>Seller Comment (2026-03-04): (Rate Lock) certificates<br>Seller Comment (2026-03-04): (Rate Lock) Fraud report | 03/04/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10155403 | [Redact] | [Redact] | 35940230 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Verification missing for the property [Redacted]. |  |  |  | Reviewer Comment (2026-03-05): Received and associated Tax Certificate. Exception cleared.<br>Seller Comment (2026-03-05): (Rate Lock) all tax certs for open conditions<br>Reviewer Comment (2026-03-04): Tax Cert provided only includes a parcel # and not an address. Unable to determine the property the tax cert belongs with. condition remains<br>Seller Comment (2026-03-04): (Rate Lock) certificates<br>Seller Comment (2026-03-04): (Rate Lock) Tax certificate for REO properties<br>Seller Comment (2026-03-04): (Rate Lock) Tax cert for [Redacted] | 03/05/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10155403 | [Redact] | [Redact] | 35940232 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Verification missing for the property [Redacted]. |  |  |  | Reviewer Comment (2026-03-05): Received and associated Tax Certificate. Exception cleared.<br>Seller Comment (2026-03-05): (Rate Lock) all tax certs for open conditions<br>Reviewer Comment (2026-03-04): Tax Cert provided only includes a parcel # and not an address. Unable to determine the property the tax cert belongs with. condition remains<br>Seller Comment (2026-03-04): (Rate Lock) Tax cert for [Redacted]<br>Seller Comment (2026-03-04): (Rate Lock) certificates<br>Seller Comment (2026-03-04): (Rate Lock) Tax certificate for REO properties<br>Seller Comment (2026-03-04): (Rate Lock) Tax Cert for [Redacted] | 03/05/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10155403 | [Redact] | [Redact] | 35940233 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Verification missing for the property [Redacted]. |  |  |  | Reviewer Comment (2026-03-05): Received and associated Tax Certificate. Exception cleared.<br>Seller Comment (2026-03-05): (Rate Lock) all tax certs for open conditions<br>Reviewer Comment (2026-03-04): Tax Cert provided only includes a parcel # and not an address. Unable to determine the property the tax cert belongs with. condition remains<br>Seller Comment (2026-03-04): (Rate Lock) certificates<br>Seller Comment (2026-03-04): (Rate Lock) Tax certificate for REO properties<br>Seller Comment (2026-03-04): (Rate Lock) Tax cert for [Redacted] | 03/05/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10155403 | [Redact] | [Redact] | 35946604 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Client approved exception to close in LLC, he owns [Redacted]% of the LLC but the only party of the loan transaction. The LLC agreement requires [Redacted] parties to sign on behalf of the LLC since no party owns [Redacted]% so any personal guarantee would need to be signed by both parties but only one party is on the credit application<br> Customer Compensating Factors: [Redacted] DTI is [Redacted] below max ([Redacted]), $[Redacted]post-close reserves ([Redacted] months or [Redacted]), and $[Redacted]net monthly savings. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more. | Client elect to waive with compensating factors:<br> [Redacted] DTI is [Redacted] below max ([Redacted]).<br>Client elect to waive with compensating factors:<br> [Redacted] post-close reserves ([Redacted] months or [Redacted]x). | Originator Pre-Close,[Redact],Aggregator<br>Originator Pre-Close,Aggregator,[Redact] | Reviewer Comment (2026-03-03): Client elect to waive with compensating factors:<br> [Redacted] DTI is [Redacted] below max ([Redacted]). <br> [Redacted] post-close reserves ([Redacted] months or [Redacted]x). <br> [Redacted] net monthly savings. |  |  | 03/03/2026 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10155403 | [Redact] | [Redact] | 35946962 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Verification missing for the property [Redacted]. |  |  |  | Reviewer Comment (2026-03-05): Received and associated Tax Certificate. Exception cleared.<br>Seller Comment (2026-03-05): (Rate Lock) all tax certs for open conditions<br>Reviewer Comment (2026-03-04): Received Tax certificate is not reflecting the property address. Please provide the tax certificate reflecting the property address '[Redacted]'. Exception Remains.<br>Seller Comment (2026-03-04): (Rate Lock) certificates<br>Seller Comment (2026-03-04): (Rate Lock) Tax certificate for REO properties<br>Seller Comment (2026-03-04): (Rate Lock) tax cert<br>Seller Comment (2026-03-04): (Rate Lock) Tax Cert for [Redacted] property | 03/05/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10155845 | [Redact] | [Redact] | 35796444 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-06): Waived on Rate Lock: Collateral cleared by Custodian | 04/06/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 10155845 | [Redact] | [Redact] | 36192333 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-31): Sufficient Cure Provided At Closing |  | 03/31/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 10155840 | [Redact] | [Redact] | 35796445 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-17): Waived on Rate Lock: Collateral cleared by Custodian | 03/17/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 10155844 | [Redact] | [Redact] | 35796456 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-04): Waived on Rate Lock: Collateral cleared by Custodian | 03/04/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A |  | N/A | No |
| [Redact] | 10155844 | [Redact] | [Redact] | 35927213 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 02/26/2026 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A |  | N/A | No |
| [Redact] | 10155839 | [Redact] | [Redact] | 35796457 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian | 03/18/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10155838 | [Redact] | [Redact] | 35796458 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian | 03/18/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10155838 | [Redact] | [Redact] | 36064670 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 03/16/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10155871 | [Redact] | [Redact] | 35797168 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-02): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-26): (Rate Lock) [Redacted] | 03/02/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10155871 | [Redact] | [Redact] | 35855678 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/23/2026 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10155871 | [Redact] | [Redact] | 35855679 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/23/2026 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10155875 | [Redact] | [Redact] | 35797175 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-09): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-06): (Rate Lock) [Redacted] | 03/09/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 10155875 | [Redact] | [Redact] | 35961373 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]. |  |  |  | Reviewer Comment (2026-03-05): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/05/2026 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 10106413 | [Redact] |  | 35930531 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement is not provided. |  |  |  | Reviewer Comment (2026-03-04): Received and associated Guarantor Agreement. Exception cleared.<br>Seller Comment (2026-03-03): non-Owner<br>Seller Comment (2026-03-03): [Redacted] | 03/04/2026 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 10106413 | [Redact] |  | 35930532 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Non-Owner Occupancy Declaration is not provided. |  |  |  | Reviewer Comment (2026-03-12): Received and associated Non-Owner Occupancy Declaration. Exception cleared.<br>Seller Comment (2026-03-11): documents | 03/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 10106413 | [Redact] |  | 35930534 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is not provided. |  |  |  | Reviewer Comment (2026-03-04): Received and associated Business Purpose Certificate. Exception cleared.<br>Seller Comment (2026-03-03): [Redacted] | 03/04/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 10106415 | [Redact] |  | 35940226 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Client elects to waive with compensating factors: [Redacted] DSCR<br>Client elects to waive with compensating factors: $[Redacted] Liquidity | Originator,Aggregator<br>Originator,Aggregator,[Redact] | Reviewer Comment (2026-03-30): Client elects to waive with compensating factors.<br>Seller Comment (2026-03-24): Escalating to [Redacted] to review<br>Seller Comment (2026-03-24): lender exception approved<br>Reviewer Comment (2026-03-17): Disagree. The guideline matrix reflects [Redacted]% for Cash Out with a [Redacted]+ Credit Score. Borrower has a [Redacted] dropping them a tier on the matrix to [Redacted]% max LTV. Condition remains.<br>Seller Comment (2026-03-17): A [Redacted] Mid FICO with [Redacted] DSCR is eligible for [Redacted]% cash out refinance |  |  | 03/30/2026 | 2 C B |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 10106432 | [Redact] |  | 35915824 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. |  |  |  | Reviewer Comment (2026-03-04): Received and associated Appraisal. Exception Cleared. | 03/04/2026 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 10106432 | [Redact] |  | 35915846 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2026-03-04): Received and associated Appraisal. Exception Cleared. | 03/04/2026 |  |  | 1 D A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 10106432 | [Redact] |  | 35915871 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Address: [Redacted] | Appraisal document is missing in the file. |  |  |  | Reviewer Comment (2026-03-04): Received and associated Appraisal. Exception Cleared.<br>Seller Comment (2026-03-03): Appraisals | 03/04/2026 |  |  | 1 D A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 10106432 | [Redact] |  | 35915874 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing in the file. |  |  |  | Reviewer Comment (2026-03-04): Received and associated Tax Certificate. Exception Cleared.<br>Seller Comment (2026-03-03): Appraisals | 03/04/2026 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 10106432 | [Redact] |  | 35915879 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate document is missing in the file. |  |  |  | Reviewer Comment (2026-03-04): Received and associated Tax Certificate. Exception Cleared.<br>Seller Comment (2026-03-03): Tax Certs | 03/04/2026 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 10106432 | [Redact] |  | 35915884 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate document is missing in the file. |  |  |  | Reviewer Comment (2026-03-04): Received and associated Tax Certificate. Exception Cleared.<br>Seller Comment (2026-03-03): Tax Certs | 03/04/2026 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 10106443 | [Redact] |  | 35915355 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer identification document is missing in the file. |  |  |  | Reviewer Comment (2026-03-12): Received and associated W-9 form. Exception cleared.<br>Seller Comment (2026-03-11): documents | 03/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10106443 | [Redact] |  | 35915358 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate resolution document is missing in the file. |  |  |  | Reviewer Comment (2026-03-18): Received and associated Operating Agreement. Exception cleared.<br>Seller Comment (2026-03-18): uploaded OA and entity cert<br>Seller Comment (2026-03-18): Uploaded<br>Reviewer Comment (2026-03-04): Please provide the Corporate Resolution. Exception Remains.<br>Seller Comment (2026-03-03): [Redacted]<br>Seller Comment (2026-03-03): Corporate<br>Seller Comment (2026-03-03): Documents | 03/18/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10106443 | [Redact] |  | 35915359 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Article of organization document is missing in the file. |  |  |  | Reviewer Comment (2026-03-04): Received and associated Articles of Organization/Formation. Exception cleared.<br>Seller Comment (2026-03-03): Articles | 03/04/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10106465 | [Redact] |  | 35843756 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall [Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least [Redacted] or Replacement Cost Estimator. |  |  |  | Reviewer Comment (2026-03-25): RCE email provided by the insurance company. Exception Cleared.<br>Seller Comment (2026-03-24): email confirmation providing the proof that the HOI agent provided these figures and excel.<br>Reviewer Comment (2026-03-24): Unable to verify the Replacement Cost Coverage identified as coming from the HOI agent. Documentation from the HOI company verifying the replacement cost or verifying the current policy has Guaranteed Replacement Cost coverage is required. Exception Remains.<br>Seller Comment (2026-03-24): [Redact] Agent provided an Excel with the Replacement Cost Estimate (RCE) calculated at [Redact]/SF (Column H) <br>We added Column I to calculate [Redacted]% of the RCE. Using the same methodology (consistent with reviewer comments and Fannie Mae guidelines)<br>Insurance coverage was compared to this [Redacted]% threshold to confirm sufficiency.<br>Column K reflects the variance between coverage and [Redacted]% of the RCE.<br>A positive variance indicates sufficient coverage. In this case, the variance is positive, confirming coverage meets requirements. | 03/25/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 10106465 | [Redact] |  | 35843830 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [Redacted] is less than Guideline representative FICO score of [Redacted]. | Borrower's Experience/Track Record<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Client elects to waive with compensating factors: The borrower is a repeat client with [Redacted] prior loans across FNF and DSCR and has completed [Redacted] projects in the last [Redacted] years, demonstrating a strong and consistent track record. The borrower also maintains ~[Redact] in liquidity. Given the borrower's experience, liquidity, and performance history, the overall credit profile remains strong and consistent with program risk parameters.<br>Client elects to waive with compensating factors: The borrower is a repeat client with [Redacted] prior loans across FNF and DSCR and has completed [Redacted] projects in the last [Redacted] years, demonstrating a strong and consistent track record. The borrower also maintains ~[Redact] in liquidity. Given the borrower's experience, liquidity, and performance history, the overall credit profile remains strong and consistent with program risk parameters. | Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2026-03-19): Client elects to waive with compensating factors: The borrower is a repeat client with [Redacted] prior loans across FNF and DSCR and has completed [Redacted] projects in the last [Redacted] years, demonstrating a strong and consistent track record. The borrower also maintains ~[Redacted] in liquidity. Given the borrower's experience, liquidity, and performance history, the overall credit profile remains strong and consistent with program risk parameters.<br>Seller Comment (2026-03-19): Compensating factor approved<br>Reviewer Comment (2026-03-02): Per the guidelines 'Foreign Nationals: >[Redacted] DSCR [Redacted]% increase in LTV', file is not foreign national, by increasing the LTV will not change the FICO requirement of [Redacted], also we can't reduce [Redacted]%, subject is not vacant refinance. a cash out refinance with an LTV of [Redacted]%, requires a FICO score of [Redacted]+. The max LTV for a cash out refi with a FICO of [Redacted] is [Redacted]%. Condition is valid and remains open.<br>Seller Comment (2026-02-27): Guidelines: [Redacted] FICOs: >[Redacted] DSCR [Redacted]% increase in LTV (See page [Redacted])<br>Reviewer Comment (2026-02-24): Per the guidelines provided for the review, a cash out refinance with an LTV of [Redacted]%, requires a FICO score of [Redacted]+. The max LTV for a cash out refi with a FICO of [Redacted] is [Redacted]%. Exception Remains<br>Seller Comment (2026-02-20): [Redacted] credit report allowable per guidelines, mitigated by >[Redacted] DSCR |  |  | 03/19/2026 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 10106490 | [Redact] |  | 35920697 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Address: [Redacted] | Missing required 1025 for the subject property, [Redacted]. |  |  |  | Reviewer Comment (2026-03-11): Appraisal provided | 03/11/2026 |  |  | 1 D A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 10106490 | [Redact] |  | 35920724 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | Missing required 1025 for the subject property, [Redacted]. Secondary desk review was not provided to validate the primary appraisal. |  |  |  | Reviewer Comment (2026-03-11): Appraisal provided | 03/11/2026 |  |  | 1 D A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 10106490 | [Redact] |  | 35930163 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Appraisal is not provided in file. |  |  |  | Reviewer Comment (2026-03-11): Appraisal provided | 03/11/2026 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 10106490 | [Redact] |  | 35930221 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Missing required [Redacted] for the subject property, [Redacted]. LTV calculation is not accurate due to missing appraisal. LTV haircut is required due to the missing lease for [Redacted]. |  |  |  | Reviewer Comment (2026-03-11): Appraisal provided<br>Reviewer Comment (2026-03-09): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of [Redacted]%. | 03/11/2026 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 10106490 | [Redact] |  | 36035247 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Address: [Redacted] | The appraisal was provided for [Redacted] and identified as tenant occupied. The file is missing the lease agreements for both units. |  |  |  | Reviewer Comment (2026-03-20): Lease Agreement provided for term [Redacted] through [Redacted]. Exception cleared.<br>Seller Comment (2026-03-20): [Redacted] proposes a discussion with [Redacted] and Purchaser. The Term is [Redacted] to [Redacted] but you are missing the next sentence: in the event the landlord or tenant does not terminate, there is auto month to month clause and we have [Redacted] months of proof of rent matching the rent amount. Please clarify.<br>Reviewer Comment (2026-03-18): Provided Lease Agreement is from [Redacted] to [Redacted]; however, a current lease agreement is required. Exception Remains<br>Seller Comment (2026-03-17): Leases<br>Reviewer Comment (2026-03-12): A lease agreement is required for the property at [Redacted] for two units. Exception Remains.<br>Seller Comment (2026-03-12): Document<br>Seller Comment (2026-03-11): documents | 03/20/2026 |  |  | 1 A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 10106503 | [Redact] |  | 35862858 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax certificate that shows Lender's qualified taxes on HUD was not provided. |  |  |  | Reviewer Comment (2026-03-04): Received and associated Tax Certificate. Exception cleared.<br>Seller Comment (2026-03-03): Tax Cert | 03/04/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 10106555 | [Redact] |  | 35893388 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The file is missing a copy of the credit application for the guarantor(s) |  |  |  | Reviewer Comment (2026-03-13): Credit application provided | 03/13/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10106558 | [Redact] |  | 35892213 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The file is missing a copy of the credit application for the guarantor(s) |  |  |  | Reviewer Comment (2026-03-13): Credit application provided | 03/13/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10106558 | [Redact] |  | 35892218 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing Protection Letter not provided. |  |  |  | Reviewer Comment (2026-03-13): CPL provided | 03/13/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10106558 | [Redact] |  | 35892231 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy not provided. |  |  |  | Reviewer Comment (2026-03-04): Received Hazard insurance policy. Exception Cleared.<br>Seller Comment (2026-03-03): Page [Redacted] | 03/04/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10106575 | [Redact] |  | 35872448 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2026-03-03): Seller provided confirmation the project is non-warrantable.<br>Reviewer Comment (2026-03-03): Please Provide Condo warrantable/Project Approval. Exception Remains<br>Seller Comment (2026-03-02): Condo questionnaire attached<br>Seller Comment (2026-03-02): Condo Questionnaire | 03/03/2026 |  |  | 1 C A |  |  | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10106576 | [Redact] |  | 35843075 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-03-25): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2026-03-24): the coverage is within [Redacted]% of the RCE, insurance exception should clear<br>Reviewer Comment (2026-03-20): In Coverage Information section does not specify the replacement cost coverage amount or percentage (%). Provide updated policy reflecting minimum coverage of $[Redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception Remains.<br>Seller Comment (2026-03-20): [Redacted] On EOI, under Coverage Information, located row that reads "Replacement Cost" marked Yes. | 03/25/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10106601 | [Redact] |  | 35935701 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming condos are warrantable. |  |  |  | Reviewer Comment (2026-03-03): Seller provided confirmation the project is non-warrantable.<br>Seller Comment (2026-03-03): Confirming condo is non-warrantable. Per [Redacted] this will clear. Please advise. | 03/03/2026 |  |  | 1 C A |  |  | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10106601 | [Redact] |  | 35935910 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The taxes used by the lender to qualify were greater than the taxes verified on the tax bill in file. Provide a tax cert or other documentation verifying the tax amount used by the lender to qualify of $[Redacted] per month. |  |  |  | Reviewer Comment (2026-03-12): Received and associated Tax Certificate. Exception cleared.<br>Seller Comment (2026-03-12): Document<br>Reviewer Comment (2026-03-04): Received a Tax Certificate for all properties. The lender must provide the correct Tax Certificate supporting the tax value used to qualify. Exception Remains.<br>Seller Comment (2026-03-03): [Redacted] | 03/12/2026 |  |  | 1 C A |  |  | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10106602 | [Redact] |  | 35926391 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The file was missing a copy of the Credit Application. |  |  |  | Reviewer Comment (2026-03-13): Credit application provided | 03/13/2026 |  |  | 1 C A |  |  | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 10106602 | [Redact] |  | 35926395 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The file is missing a copy of the Credit Report. |  |  |  | Reviewer Comment (2026-03-04): Received and associated Credit Report. Exception cleared.<br>Seller Comment (2026-03-03): 1003<br>Seller Comment (2026-03-03): Credit | 03/04/2026 |  |  | 1 D A |  |  | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 10106602 | [Redact] |  | 35927528 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2026-03-03): Seller provided confirmation the project is non-warrantable. | 03/03/2026 |  |  | 1 C A |  |  | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 10106673 | [Redact] |  | 35840724 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2026-03-12): Received and associated Articles of Organization/Formation. Exception cleared.<br>Seller Comment (2026-03-11): Document | 03/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 10106722 | [Redact] |  | 35872837 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-03-20): Received Replacement Cost Estimator. Exception cleared.<br>Seller Comment (2026-03-20): uploaded | 03/20/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10106723 | [Redact] |  | 35935691 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of [Redacted]%. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Client elects to waive with compensating factors.<br>Client elects to waive with compensating factors. | [Redact],Originator,Aggregator<br>Originator,Aggregator,[Redact] | Reviewer Comment (2026-03-30): Client elects to waive with compensating factors.<br>Seller Comment (2026-03-24): Flipping to [Redacted] to review.<br>Seller Comment (2026-03-24): [Redacted] Lender Exception uploaded.<br>Seller Comment (2026-03-24): lender exception approved<br>Reviewer Comment (2026-03-18): A FICO score of [Redacted] is required for [Redacted]% LTV per the matrix. Nowhere in the guidelines does it state that there is a [Redacted]% LTV increase allowed for a [Redacted] DSCR. Exception remains<br>Seller Comment (2026-03-17): Expected resolution on guidelines provided [Redacted]. Exception should be cleared based on [Redacted]% LTV allowable for [Redacted] FICO with >[Redacted] DSCR |  |  | 03/30/2026 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10106727 | [Redact] |  | 35918453 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. $[Redacted]/month |  |  |  | Reviewer Comment (2026-03-03): Received the associated Tax Certificate showing an annual amount of $[Redacted]. Exception Cleared.<br>Seller Comment (2026-03-02): The subject property is purchase and pending updated tax cert typically based on the purchase price. UW conservatively calculated the property taxes based off the estimated reassessed value using the appraisal value and the tax rate for future taxes. | 03/03/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10106797 | [Redact] |  | 35853804 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | credit app not signed by borrower. |  |  |  | Reviewer Comment (2026-04-09): Received signed 1003. Exception Cleared.<br>Seller Comment (2026-04-08): Signed Loan app uploaded Please clear.<br>Reviewer Comment (2026-03-16): Received Credit application not signed. Exception Remains | 04/09/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10106797 | [Redact] |  | 35931061 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2026-03-03): Seller provided confirmation the project is non-warrantable. | 03/03/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10156391 | [Redact] | [Redact] | 35806255 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-10): Tracking Number [Redacted] | 03/12/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10156391 | [Redact] | [Redact] | 35956924 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 03/05/2026 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10156391 | [Redact] | [Redact] | 35956975 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/05/2026 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10156748 | [Redact] | [Redact] | 35807627 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-11): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/12/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 10156748 | [Redact] | [Redact] | 35993661 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The file was missing a copy of the Guarantor Agreement. |  |  |  | Reviewer Comment (2026-03-20): Received Guarantor Agreement. Exception cleared.<br>Seller Comment (2026-03-20): Please see attached guarantor agreement. | 03/20/2026 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 10156748 | [Redact] | [Redact] | 35993662 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | The file was missing a copy of the Cash-Out Utilization disclosure. Note: the fully executed Business Purpose Cert will clear this condition. |  |  |  | Reviewer Comment (2026-03-12): Fully executed Business Purpose Cert provided | 03/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 10156748 | [Redact] | [Redact] | 35993663 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file was missing a copy of the fully executed Business Purpose Certificate. |  |  |  | Reviewer Comment (2026-03-12): Fully executed Business Purpose Cert provided<br>Seller Comment (2026-03-11): business purpose | 03/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 10156748 | [Redact] | [Redact] | 35993676 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 03/09/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 10156748 | [Redact] | [Redact] | 35993677 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 03/09/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 10156749 | [Redact] | [Redact] | 35807673 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] | 03/12/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10156750 | [Redact] | [Redact] | 35807723 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-17): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-16): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/17/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10156750 | [Redact] | [Redact] | 36034750 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/11/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10156750 | [Redact] | [Redact] | 36035679 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  | 03/11/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10156754 | [Redact] | [Redact] | 35808787 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-02): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-02-27): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] | 03/02/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10156756 | [Redact] | [Redact] | 35808832 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian | 03/06/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 10156756 | [Redact] | [Redact] | 35956819 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-03): Sufficient Cure Provided At Closing |  | 03/03/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 10156765 | [Redact] | [Redact] | 35808833 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian | 03/20/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10156765 | [Redact] | [Redact] | 36052647 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard Insurance Policy expires within 30 days of the Note Date. |  | Hazard Insurance Policy expires within 30 days of the Note Date. Hazard Insurance Policy Expiration Date [Redacted], Note Date [Redacted] |  |  |  | Reviewer Comment (2026-03-31): Renewal policy provided<br>Seller Comment (2026-03-27): [Redacted] [Redacted]: Please see the attached document supporting the renewal policy | 03/31/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10156765 | [Redact] | [Redact] | 36052737 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). | annie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]% |  |  |  | Reviewer Comment (2026-03-13): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/13/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 10156765 | [Redact] | [Redact] | 36055043 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |  | 03/13/2026 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 10156760 | [Redact] | [Redact] | 35808834 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian | 03/06/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10156760 | [Redact] | [Redact] | 35946596 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 03/04/2026 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10156760 | [Redact] | [Redact] | 35951202 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/04/2026 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10156760 | [Redact] | [Redact] | 35967764 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-04): Sufficient Cure Provided At Closing |  | 03/04/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 10156760 | [Redact] | [Redact] | 35970543 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month with an end date of [Redacted]. |  |  |  | Reviewer Comment (2026-03-12): Additional months' statement provided<br>Seller Comment (2026-03-11): [Redacted] - [Redacted]: Please see attached. | 03/12/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10156760 | [Redact] | [Redact] | 35970544 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient asset documentation in file. Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month. |  |  |  | Reviewer Comment (2026-03-12): Additional months' statement provided<br>Seller Comment (2026-03-11): [Redacted] - [Redacted]: Please see attached. | 03/12/2026 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [Redact] | 10156760 | [Redact] | [Redact] | 35970545 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient asset documentation in file. Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month. |  |  |  | Reviewer Comment (2026-03-12): Additional months' statement provided<br>Seller Comment (2026-03-11): [Redacted] - [Redacted]: Please see attached. | 03/12/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10156762 | [Redact] | [Redact] | 35808840 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10156769 | [Redact] | [Redact] | 35808886 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-16): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/18/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 10156769 | [Redact] | [Redact] | 36011131 |  | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  | Reviewer Comment (2026-03-17): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty under [Redacted] is allowable under law.<br>Reviewer Comment (2026-03-12): Elevated to the client for review<br>Reviewer Comment (2026-03-12): Please do not reference other loans or borrowers in the comments. This condition is valid and client approval to waive it is required. The condition will be elevated to the client for review.<br>Seller Comment (2026-03-11): Please advise as this was cleared up on your end. Please see loans [Redacted] [Redacted], [Redacted][Redacted], and [Redacted] [Redacted]. All of there has the same condition as this one and have been cleared on your site. |  |  | 03/17/2026 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 10156758 | [Redact] | [Redact] | 35808962 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-04): (Rate Lock) [Redacted] | 03/05/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10156758 | [Redact] | [Redact] | 35936848 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/03/2026 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10156758 | [Redact] | [Redact] | 35936849 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2026-03-02): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/02/2026 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 10156758 | [Redact] | [Redact] | 35937283 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2026-03-25): Lender project review provided<br>Reviewer Comment (2026-03-25): Condo Warrantable documentation is not available in file. Lender or seller must provide confirmation that the condo is warrantable or Project Approval. Exception Remains.<br>Seller Comment (2026-03-24): The limited review completed by the lender/seller is confirmation the condo is warrantable. Please cancel<br>Reviewer Comment (2026-03-19): We have the HOA Questionnaire that was previously provided. Lender or seller must provide confirmation that the condo is warrantable or Project Approval. Exception Remains.<br>Seller Comment (2026-03-19): Documentation on page Page [Redacted] of [Redacted] ([Redacted]) and [Redacted] ([Redacted]) contains a fully completed and executed Conventional Limited Review Condominium Questionnaire for the project "[Redacted]," confirming the project meets FNMA limited review eligibility requirements, including established project status, [Redacted]% unit conveyance, HOA control turnover, and no adverse conditions such as litigation, structural issues, or special assessments. Please Cancel. | 03/25/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10157972 | [Redact] | [Redact] | 35809197 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-17): Waived on Rate Lock: Collateral cleared by Custodian | 03/17/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10157962 | [Redact] | [Redact] | 35815810 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-16): collateral delivered[Redacted] via [Redacted] tracking [Redacted] | 03/18/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10157962 | [Redact] | [Redact] | 35972447 |  | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  | Reviewer Comment (2026-03-17): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty under [Redacted] is allowable under law.<br>Reviewer Comment (2026-03-09): Elevated to the client for review<br>Seller Comment (2026-03-09): Please advise as this was cleared up on your end. Please see loans [Redacted] [Redacted], [Redacted] [Redacted], and [Redacted] [Redacted]. All of there has the same condition as this one and have been cleared on your site. |  |  | 03/17/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10157978 | [Redact] | [Redact] | 35816254 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-31): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-27): Tracking Number [Redacted] | 03/31/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10157978 | [Redact] | [Redact] | 36116947 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 03/23/2026 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10157978 | [Redact] | [Redact] | 36116948 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). |  |  |  | Reviewer Comment (2026-03-23): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/23/2026 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 10157970 | [Redact] | [Redact] | 35816296 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-13): Waived on Rate Lock: Collateral cleared by Custodian | 03/13/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 10157970 | [Redact] | [Redact] | 36009344 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2026-03-10): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/10/2026 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 10157970 | [Redact] | [Redact] | 36009349 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing |  | 03/09/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 10157980 | [Redact] | [Redact] | 35816297 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10157980 | [Redact] | [Redact] | 35969323 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Client Approved Exception for Guidelines state properties less than [Redacted] square feet are ineligible. The subject property is a [Redacted] square foot attached condo. Comps<br> provided range from [Redacted] square feet to [Redacted] square feet with two of the comps being in the same project to support market acceptance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Client elect to waive with compensating factors: $[Redacted] post-close reserves ([Redacted] months or [Redacted]x).<br>Client elect to waive with compensating factors:<br> [Redacted] LTV is [Redacted] below max ([Redacted]). | Originator Pre-Close,Aggregator,[Redact]<br>[Redact],Originator Pre-Close,Aggregator | Reviewer Comment (2026-03-05): Client elect to waive with compensating factors:<br> [Redacted] LTV is [Redacted] below max ([Redacted]). <br> $[Redacted] post-close reserves ([Redacted] months or [Redacted]). <br> Subject property owned for [Redacted] years. |  |  | 03/05/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10157987 | [Redact] | [Redact] | 35816901 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10158210 | [Redact] | [Redact] | 35830484 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-04): Waived on Rate Lock: Collateral cleared by Custodian | 03/04/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10158210 | [Redact] | [Redact] | 35931057 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2026-02-27): Client elected to waive the condition on the Non-QM 1st lien |  |  | 02/27/2026 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 10158210 | [Redact] | [Redact] | 35940672 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / [Redacted] not provided |  | The 1008 in file and the tape data has a DTI of [Redacted]%. The amount of liabilities on the 1008 and 1003 do not match the liabilities calculated with the docs in file. Provide clarification of the additional liabilities or a revised 1008. |  |  |  | Reviewer Comment (2026-03-05): Revised 1008 provided<br>Seller Comment (2026-03-05): [Redacted]- [Redacted]: Please see the attached corrected 1008 reflecting a DTI of [Redacted]% | 03/05/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10158206 | [Redact] | [Redact] | 35830485 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian | 04/03/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10158206 | [Redact] | [Redact] | 36200536 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 04/01/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10158206 | [Redact] | [Redact] | 36200942 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2026-04-01): Client elected to waive the condition on the Non-QM 1st lien |  |  | 04/01/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 10158206 | [Redact] | [Redact] | 36200943 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided at closing |  |  |  | Reviewer Comment (2026-04-01): Sufficient Cure Provided At Closing |  | 04/01/2026 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 10158208 | [Redact] | [Redact] | 35830491 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10158966 | [Redact] | [Redact] | 35830879 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-10): Tracking Number [Redacted] | 03/12/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10158967 | [Redact] | [Redact] | 35830880 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-11): Tracking Number [Redacted] | 03/12/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| [Redact] | 10158967 | [Redact] | [Redact] | 36012248 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD, Closing Disclosure, Closing statement document is missing in the file. |  |  |  | Reviewer Comment (2026-03-12): Closing statement provided<br>Seller Comment (2026-03-11): alta statement | 03/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| [Redact] | 10158967 | [Redact] | [Redact] | 36012338 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/10/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| [Redact] | 10158967 | [Redact] | [Redact] | 36012340 |  | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Closing Disclosure and HUD is missing in the file. |  |  |  | Reviewer Comment (2026-03-12): Settlement statement provided<br>Seller Comment (2026-03-11): alta statement uploaded | 03/12/2026 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| [Redact] | 10159001 | [Redact] | [Redact] | 35830979 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-17): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-16): Tracking Number [Redacted] | 03/17/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10159001 | [Redact] | [Redact] | 36063546 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2026-03-13): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/13/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 10159001 | [Redact] | [Redact] | 36064096 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | The initial 1003 identified the borrower and co-borrower would occupy the subject as a primary residence. The loan failed the High-Cost testing due to the prepayment penalty of [Redacted]% for [Redacted] year, exceeds the max of [Redacted]% of the amount prepaid. In order to consider a downgrade of the condition, an attestation from the BORROWER(s) detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy is required. |  |  |  | Reviewer Comment (2026-03-25): Received.<br>Seller Comment (2026-03-23): email from borrowers confirming NOO occupancy<br>Reviewer Comment (2026-03-17): An attestation from the Borrower(s) detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy is acceptable.<br>Seller Comment (2026-03-16): please clarify; final 1003 confirmed investment transaction. If unacceptable, will a borrower attestation be acceptable. | 03/25/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10159066 | [Redact] | [Redact] | 35831241 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-31): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-27): (Rate Lock) [Redacted] | 03/31/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10159066 | [Redact] | [Redact] | 36148815 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. |  |  |  | Reviewer Comment (2026-03-31): ARM Disclosure provided<br>Seller Comment (2026-03-27): (Rate Lock) arm | 03/31/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 10159066 | [Redact] | [Redact] | 36148816 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Provided Through Home Loan Toolkit | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet provided to the borrower through Home Loan Toolkit. | Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet provided to the borrower through Home Loan Toolkit. |  |  |  | Reviewer Comment (2026-03-31): Home Loan Tool Kit provided<br>Seller Comment (2026-03-27): (Rate Lock) toolkit | 03/31/2026 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10159066 | [Redact] | [Redact] | 36165507 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR, DTI not Understated | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  |  | 03/26/2026 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10159104 | [Redact] | [Redact] | 35834453 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10159116 | [Redact] | [Redact] | 35834898 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-17): Waived on Rate Lock: Collateral cleared by Custodian | 03/17/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10159116 | [Redact] | [Redact] | 36063641 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] |  |  |  |  |  |  | 03/13/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10159116 | [Redact] | [Redact] | 36063757 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). |  |  |  |  |  |  | 03/13/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10159120 | [Redact] | [Redact] | 35834900 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-09): Waived on Rate Lock: Collateral cleared by Custodian | 03/09/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10159117 | [Redact] | [Redact] | 35834902 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian | 03/06/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10159117 | [Redact] | [Redact] | 35947062 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-02): Sufficient Cure Provided At Closing |  | 03/02/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 10159117 | [Redact] | [Redact] | 35947064 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-02): Sufficient Cure Provided At Closing |  | 03/02/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 10159126 | [Redact] | [Redact] | 35835180 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-16): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/18/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10159381 | [Redact] | [Redact] | 35835220 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-09): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-05): (Rate Lock) collateral delivered [Redacted] - tracking [Redacted] | 03/09/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 10159381 | [Redact] | [Redact] | 35970548 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Per the guidelines, the max cash out for loans with an LTV > or = [Redacted]% is $[Redacted]. | Miscellaneous<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Miscellaneous<br>Miscellaneous | Credit Depth: [Redacted] years mortgage history and [Redacted] years trade history.<br>[Redacted] years Property management experience including multi family.<br>REO equity. Total other REO Equity is $[Redacted] | Aggregator<br>[Redact]<br>Aggregator<br>Aggregator | Reviewer Comment (2026-03-11): Client elected to waive the condition with the following compensating factors:<br> Credit Depth: [Redacted] years mortgage history and [Redacted] years trade history. <br> [Redacted] years Property management experience including multi family. <br> REO equity. Total other REO Equity is $[Redacted]<br>Reviewer Comment (2026-03-11): Received Lender exception however there is no approval status on it. Please provide the lender exception in the [Redacted] exception form with approval status. Exception Remains.<br>Seller Comment (2026-03-10): (Rate Lock) Exception request for total cash-out of $[Redacted] is greater than Guideline total cash-out of $[Redacted]. Comp Factors: 0x30x36+ on all mtgs; Curr Primary owned for [Redacted]+ yrs; Experienced investor - owns and manages [Redacted] properties for [Redacted] months. Please advise if approval of exception comes with any pricing implications. Thanks! |  |  | 03/11/2026 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 10159965 | [Redact] | [Redact] | 35841442 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-30): Waived on Rate Lock: Collateral cleared by Custodian | 03/30/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10159965 | [Redact] | [Redact] | 36127799 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | There is evidence on the initial 1003 that the borrower intends to occupy the property as their primary residence. |  |  |  |  |  |  | 03/24/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10091790 | [Redact] |  | 35842581 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA Letter, and Third Party Verification is missing for [Redacted]. |  |  |  | Reviewer Comment (2025-10-22): CPA letter provided.<br>Buyer Comment (2025-10-22): Percentage of ownership<br>Reviewer Comment (2025-10-21): VOE provided.<br>Buyer Comment (2025-10-21): VOE | 10/22/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842585 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2025-10-17): Acknowledged as non-material - Loan closed [Redacted]. |  |  | 10/17/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842586 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | EV2 informational |  |  |  | Buyer Comment (2025-10-17): Acknowledged as non-material - Non-QM transaction. |  |  | 10/17/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842589 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign consent is dated [Redacted] which is after the Initial Loan Estimate dated [Redacted]. |  |  |  | Reviewer Comment (2025-11-25): [Redacted] received earliest e-consent dated [Redacted].<br>Buyer Comment (2025-11-24): Per lender: Hi [Redacted],<br>When disclosures are sent electronically, electronic consent from the borrower is required by the third RESPA day. [Redacted], [Redacted], and Guild-observed holidays are excluded.<br>Reviewer Comment (2025-10-23): [Redacted] received e-consent dated [Redacted] however, the consent seems not for the current transaction as it is received in [Redacted]. Please provide e-consent for current transaction or provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Buyer Comment (2025-10-21): Econsent tracking | 11/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842590 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-23): All Open Income/Asset ATR Exception has been cleared. Exception Cleared<br>Buyer Comment (2025-10-22): see voe and cpa email | 10/23/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842591 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-23): All Open Income/Asset ATR Exception has been cleared. Exception Cleared<br>Buyer Comment (2025-10-22): see voe and cpa email | 10/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842592 |  | Property | Property - Appraisal | Property Eligibility - Zoning and Usage | Property - Appraisal | Valuation Issue: Subject use is illegal for zoning. |  | Secondary Appraisal reflects Rural Characteristics and is zoned R-[Redacted] [Redacted] Residential. Guidelines state rural properties are not eligible. Please review and confirm acceptance. |  |  |  | Reviewer Comment (2025-10-22): Zoning is not residential.<br>Buyer Comment (2025-10-18): See Key bottom left. [Redacted] is for [Redacted]. No mention of rural. | 10/22/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842593 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines |  | LENDER EXCEPTION provided due to Non-Arms Length transaction. Construction loan refinance in which the borrower has acted as builder are not eligible for purchase. Exception to allow the borrower's construction / home building business as the builder on subject transaction. Review for acceptance and downgrade consideration. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-10-21): Lender exception provided.<br>Buyer Comment (2025-10-18): [Redacted] approved exception for NAL transaction |  |  | 10/21/2025 | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842594 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Buyer Comment (2025-10-17): Borrower acknowledged receipt at closing. Acknowledged as non-material. |  |  | 10/17/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10160384 | [Redact] | [Redact] | 35845367 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-18): Tracking Number [Redacted] | 03/19/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10160385 | [Redact] | [Redact] | 35845387 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-19): collateral delivered on [Redacted] via [Redacted] tracking [Redacted] | 03/20/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10160523 | [Redact] | [Redact] | 35845518 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-20): note [Redacted] tracking# [Redacted] | 03/23/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10160523 | [Redact] | [Redact] | 36100091 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). |  |  |  | Reviewer Comment (2026-03-24): Client elected to waive the condition on the Non-QM 1st lien<br>Seller Comment (2026-03-20): please see our [Redacted] compliance report doc [Redacted] showing points and fees are within compliance |  |  | 03/24/2026 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 10160529 | [Redact] | [Redact] | 35845522 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian | 03/06/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 10160529 | [Redact] | [Redact] | 35945938 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2026-03-04): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/04/2026 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 10160529 | [Redact] | [Redact] | 35945941 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-02): Sufficient Cure Provided At Closing |  | 03/02/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 10160531 | [Redact] | [Redact] | 35845523 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-02): Waived on Rate Lock: Collateral cleared by Custodian | 04/02/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10160531 | [Redact] | [Redact] | 36164971 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file. |  |  |  |  |  |  | 03/29/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10160528 | [Redact] | [Redact] | 35845524 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian | 03/06/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10160535 | [Redact] | [Redact] | 35845651 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] | 03/12/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10161411 | [Redact] | [Redact] | 35851993 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-06): Collateral delivered via [Redacted] tracking [Redacted] on [Redacted]. | 03/10/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10161411 | [Redact] | [Redact] | 35938506 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 03/03/2026 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10161412 | [Redact] | [Redact] | 35852009 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10161413 | [Redact] | [Redact] | 35852101 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10161413 | [Redact] | [Redact] | 35970017 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The file was missing Articles of Organization/Formation. |  |  |  | Reviewer Comment (2026-03-16): Doc provided. Exception cleared.<br>Seller Comment (2026-03-16): articles of org | 03/16/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10161413 | [Redact] | [Redact] | 35970019 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The file was missing Certificate of Good Standing. |  |  |  | Reviewer Comment (2026-03-10): Received and associated Certificate of Good Standing. Exception cleared.<br>Seller Comment (2026-03-09): cogs | 03/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10161413 | [Redact] | [Redact] | 35970027 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | The file was missing Closing Protection Letter |  |  |  | Reviewer Comment (2026-03-10): Received and associated Closing Protection Letter. Exception cleared.<br>Seller Comment (2026-03-09): cpl | 03/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10161413 | [Redact] | [Redact] | 35970032 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The file was missing Corporate Resolution. |  |  |  | Reviewer Comment (2026-03-10): Received and associated Operating Agreement. Exception cleared.<br>Seller Comment (2026-03-09): operating agreement | 03/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10161413 | [Redact] | [Redact] | 35970034 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | The file was missing Employer Identification Number (EIN). |  |  |  | Reviewer Comment (2026-03-10): Received and associated Employer Identification Number (EIN). Exception cleared.<br>Seller Comment (2026-03-09): ein | 03/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10161413 | [Redact] | [Redact] | 35970043 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The file was missing Operating Agreement. |  |  |  | Reviewer Comment (2026-03-10): Received and associated Operating Agreement. Exception cleared.<br>Seller Comment (2026-03-09): operating agreement | 03/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10161413 | [Redact] | [Redact] | 35970052 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | The file was missing Title Preliminary. |  |  |  | Reviewer Comment (2026-03-10): Received and associated Title Commitment. Exception cleared.<br>Seller Comment (2026-03-09): title | 03/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10161413 | [Redact] | [Redact] | 35970055 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  | Reviewer Comment (2026-03-10): Received and associated Title Commitment. Exception cleared. | 03/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10161413 | [Redact] | [Redact] | 35970066 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2026-03-10): Received and associated Title Commitment. Exception cleared.<br>Seller Comment (2026-03-09): title | 03/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10161447 | [Redact] | [Redact] | 35852220 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-17): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 03/18/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10162235 | [Redact] | [Redact] | 35852391 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-20): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] | 03/23/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10163288 | [Redact] | [Redact] | 35860962 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-16): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-12): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 03/16/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10163288 | [Redact] | [Redact] | 35993652 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 03/09/2026 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10163288 | [Redact] | [Redact] | 35993653 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 03/09/2026 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 10163294 | [Redact] | [Redact] | 35861945 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-13): Waived on Rate Lock: Collateral cleared by Custodian | 03/13/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10163294 | [Redact] | [Redact] | 36016801 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | Appraisal Transfer Letter not provided |  |  |  | Reviewer Comment (2026-03-25): Received and associated Appraisal Transfer Letter. Exception Cleared<br>Seller Comment (2026-03-24): [Redacted]: Please see attached document<br>Reviewer Comment (2026-03-18): Received Appraisal Transfer Letter is transferred to a different lender; however, an Appraisal Transfer Letter to [Redacted] is required. Exception Remains.<br>Seller Comment (2026-03-18): [Redacted]: Please see attached document | 03/25/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10163294 | [Redact] | [Redact] | 36016951 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-10): Sufficient Cure Provided At Closing |  | 03/10/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 10175678 | [Redact] | [Redact] | 35862635 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-11): (Rate Lock) [Redacted] | 03/12/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10175678 | [Redact] | [Redact] | 35967059 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/05/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10176999 | [Redact] | [Redact] | 35873132 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian | 03/11/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10176999 | [Redact] | [Redact] | 35997043 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2026-03-09): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/09/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 10177699 | [Redact] | [Redact] | 35894098 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-04-09): (Rate Lock) [Redacted] | 04/10/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10177699 | [Redact] | [Redact] | 36252636 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | The final CD has an issue date of [Redacted] but a signature date of [Redacted]. |  |  |  | Reviewer Comment (2026-04-30): Client elected to waive the condition<br>Reviewer Comment (2026-04-13): Elevated to the client for review<br>Seller Comment (2026-04-10): [Redacted] - Client accepts as is - unable to clear. |  |  | 04/30/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10177791 | [Redact] | [Redact] | 35897747 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-31): Tracking Number [Redacted] | 04/01/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10177791 | [Redact] | [Redact] | 36171987 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The file was missing copy of Verification of Non-US Citizen Status. Guidelines require: The <br> Applicant must present either an unexpired [Redacted] card or temporary [Redacted] stamp on an unexpired <br> foreign passport. |  |  |  | Reviewer Comment (2026-04-02): Received.<br>Seller Comment (2026-04-01): valid work visa | 04/02/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10177793 | [Redact] | [Redact] | 35902212 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-31): Tracking Number [Redacted] | 04/01/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10177793 | [Redact] | [Redact] | 36172122 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Non-US Citizenship evidence document is missing in the file Guidelines require Applicant must present either an unexpired [Redacted] card or temporary [Redacted] stamp on an unexpired foreign passport. |  |  |  | Reviewer Comment (2026-04-02): Received.<br>Seller Comment (2026-04-01): valid work [Redacted] | 04/02/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10177793 | [Redact] | [Redact] | 36172138 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Verification of Non-US Citizen Status documentation was not provided. Guidelines require: Applicant must present either an unexpired[Redacted] card or temporary [Redacted] stamp on an unexpired foreign passport. |  |  |  | Reviewer Comment (2026-04-02): Received.<br>Seller Comment (2026-04-01): work visa provided | 04/02/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10177793 | [Redact] | [Redact] | 36176490 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  | 03/30/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10177794 | [Redact] | [Redact] | 35902452 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-18): Note [Redacted] tracking# [Redacted] | 03/19/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10177794 | [Redact] | [Redact] | 36038823 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide a copy of evidence of access to funds for account #[Redacted]. Unable to determine borrowers have access to the funds and the percentage of funds eligible to be used for the business account. |  |  |  | Reviewer Comment (2026-03-24): Received updated 1003 and 1008, #[Redacted] business account is not used for qualification per the updated 1003. Reserves and funds for closing are met. Exception cleared.<br>Seller Comment (2026-03-23): revised 1003\1008 with account #[Redacted], no needed for reserves as per previous comment<br>Reviewer Comment (2026-03-18): In the final 1003, the funds from the #[Redacted] account are used for closing; however, evidence of access to business funds is required for the #[Redacted] account. Exception Remains<br>Seller Comment (2026-03-18): funds from [Redacted] account #[Redacted] is not needed for reserves calculations. [Redacted] acct#[Redacted] $[Redacted] ([Redacted] current balance) doc [Redacted]and [Redacted] account #[Redacted] $[Redacted] & $[Redacted] ([Redacted] current balance) doc [Redacted] totals $[Redacted] available. | 03/24/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10177963 | [Redact] | [Redact] | 35906069 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-20): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] | 03/23/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A |  | N/A | No |
| [Redact] | 10177965 | [Redact] | [Redact] | 35906134 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian | 03/19/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 10177967 | [Redact] | [Redact] | 35906135 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian | 03/18/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10177967 | [Redact] | [Redact] | 36058674 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  |  |  |  |  | Reviewer Comment (2026-03-18): Verified and associated Hazard Insurance Policy. Exception Cleared. | 03/18/2026 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10177967 | [Redact] | [Redact] | 36058733 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2026-03-18): Verified and associated Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2026-03-18): [Redacted] - [Redacted]: Please see attached. | 03/18/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10177973 | [Redact] | [Redact] | 35906140 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10177966 | [Redact] | [Redact] | 35906142 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-13): Waived on Rate Lock: Collateral cleared by Custodian | 03/13/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A |  | N/A | No |
| [Redact] | 10177966 | [Redact] | [Redact] | 36016538 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  |  | 03/10/2026 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A |  | N/A | No |
| [Redact] | 10179060 | [Redact] | [Redact] | 35922581 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian | 03/25/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10179060 | [Redact] | [Redact] | 36100925 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. Please provide Supplement Report with policy amount. |  |  |  |  |  |  | 03/19/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10179060 | [Redact] | [Redact] | 36101150 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The borrower selected "yes" they will occupy the property as their primary residence in the declarations section of the initial 1003 |  |  |  |  |  |  | 03/19/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10179050 | [Redact] | [Redact] | 35922585 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian | 03/25/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10179050 | [Redact] | [Redact] | 36051919 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month with an end date of [Redacted]. |  |  |  | Reviewer Comment (2026-03-17): Certificate of deposit liquidated to open account. Condition cleared.<br>Seller Comment (2026-03-17): [Redacted]: Please see the attached document showing the CD account [Redacted], for which we have three months of statements. In [Redacted], the CD matured and was transferred to a new account, [Redacted], which demonstrates that the asset has been seasoned as business assets. | 03/17/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10179103 | [Redact] | [Redact] | 35923096 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] | 03/12/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10179246 | [Redact] | [Redact] | 35923270 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian | 04/03/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 10179246 | [Redact] | [Redact] | 36148688 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/26/2026 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 10179246 | [Redact] | [Redact] | 36148690 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The post-close CD disclosed a different initial escrow deposit than the final CD and the IEAD. |  |  |  | Reviewer Comment (2026-04-02): Received IEAD<br>Seller Comment (2026-03-31): [Redacted]: Please see the attached // | 04/02/2026 |  |  | 1 B A |  | [Redact] | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [Redact] | 10179247 | [Redact] | [Redact] | 35923271 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian | 03/26/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10179247 | [Redact] | [Redact] | 36114315 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 03/23/2026 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10179247 | [Redact] | [Redact] | 36114481 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Copy of mortgage statements are not available. |  |  |  | Reviewer Comment (2026-04-02): Supporting docs provided to verify Mortgage was paid off. Exception cleared.<br>Seller Comment (2026-04-01): [Redacted] - [Redacted] : The payment of $[Redacted] for [Redacted] BK [Redacted] was excluded due to the credit report confirming the mortgage had been paid in full. There is no mortgage statement to be provided. This mortgage was paid off when the borrower obtained the HELOC via [Redacted].<br>Seller Comment (2026-04-01): [Redacted] - [Redacted]: The payment of $[Redacted] for [Redacted] BK [Redacted] was excluded due to the credit report confirming the mortgage had been paid in full. There is no mortgage statement to be provided. This mortgage was paid off when the borrower obtained the HELOC via [Redacted].<br>Reviewer Comment (2026-04-01): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Statement, Statement<br>Reviewer Comment (2026-03-27): Received mortgage statement and HELOC agreement, closing checklist for $[Redacted] and $[Redacted]. Please provide the Mortgage statement from [Redacted] bank verifying $[Redacted]. Exception Remains.<br>Seller Comment (2026-03-26): [Redacted] - [Redacted]: Please see attached. The borrower had recently obtained a HELOC via [Redacted], and the provided closing statement confirms a monthly payment of $[Redacted] | 04/02/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10179651 | [Redact] | [Redact] | 35928391 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian | 03/11/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10179682 | [Redact] | [Redact] | 35929184 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-17): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-13): (Rate Lock) [Redacted] | 03/17/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10179682 | [Redact] | [Redact] | 36037078 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/11/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 10026751 | [Redact] |  | 35929877 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Document does not have a pull date. Must be within [Redacted] days of closing. |  |  |  | Reviewer Comment (2026-02-05): Dated [Redacted] uploaded for the correct LLC<br>Buyer Comment (2026-02-05): attached printout from [Redacted] site shows [Redacted] on the top left and shows status active.<br>Reviewer Comment (2026-02-04): None of the documents provided are for the Borrowing Entity which is [Redacted]. Also, please note the original exception that notes the COGs in file for the Borrowing Entity does not have a pull date and must be within 120 days of closing.<br>Buyer Comment (2026-02-03): [Redacted] GOOD STANDING<br>Buyer Comment (2026-02-03): Good Standing | 02/05/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 10106013 | [Redact] |  | 35930069 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The subject property housing mortgage statements with [Redacted] reflect a deferred balance. Provide the deferral/modification agreement. Must meet guidelines. |  |  |  | Reviewer Comment (2026-02-10): Per client confirmation on guidelines, mod agreement is only required if lates occurred. Mortgage statements do not reflect any [Redacted] day lates. Late charges are for paying past the first per each statement.<br>Buyer Comment (2026-02-08): this is only required if delinquencies are notice. Guideline: A copy of the<br> modification documents will be required if the mortgage history for said tradeline is either incomplete<br> or has a derogatory history. Examples of modifications include (but are not limited to) | 02/10/2026 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 10106013 | [Redact] |  | 35930070 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The DOT reflects a PUD rider attached, however the appraisal does not reflect PUD or any HOA dues. Note: Title also reflects verbiage pertaining to an HOA. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |  | [Redact]<br>[Redact] | Reviewer Comment (2026-02-10): Client elects to waive with verified compensation factors<br>Buyer Comment (2026-02-09): Please clear<br>Reviewer Comment (2026-02-05): If the property is in a PUD, then the appraisal will need to be updated to reflect PUD and HOA dues.<br>Buyer Comment (2026-02-05): see attached<br>Buyer Comment (2026-02-05): see attached and provide resolution. |  |  | 02/10/2026 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 10179785 | [Redact] | [Redact] | 35930975 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-13): Waived on Rate Lock: Collateral cleared by Custodian | 03/13/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10179834 | [Redact] | [Redact] | 35931724 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-19): Tracking Number [Redacted] | 03/20/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10179834 | [Redact] | [Redact] | 36090799 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2026-03-26): Received 1040 Transcripts. Exception Cleared.<br>Seller Comment (2026-03-25): Transcripts | 03/26/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10180511 | [Redact] | [Redact] | 35938421 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-17): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 03/18/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10181342 | [Redact] | [Redact] | 35939233 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-28): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-04-24): (Rate Lock) [Redacted] | 04/28/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181481 | [Redact] | [Redact] | 35939987 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-27): Waived on Rate Lock: Collateral cleared by Custodian | 03/27/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 10181481 | [Redact] | [Redact] | 36103417 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | Appraisal Transfer Letter not provided. |  |  |  | Reviewer Comment (2026-04-02): Appraisal with Lender name corrected. Exception cleared.<br>Seller Comment (2026-03-31): [Redacted]: Please see attached document.<br>Reviewer Comment (2026-03-26): Appraisal dated [Redacted] is showing '[Redacted]', since the lender name is not matching appraisal transfer letter is required. Exception Remains.<br>Seller Comment (2026-03-25): /[Redacted]: Please review the attached loan application, which lists [Redacted] as the Loan Originator. [Redacted] is the lender that submitted the loan to [Redacted], and they are the brokerage we are collaborating with. Therefore, this should not be considered a transferred appraisal. | 04/02/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 10181481 | [Redact] | [Redact] | 36103638 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |  | 03/20/2026 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 10181481 | [Redact] | [Redact] | 36103639 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |  | 03/20/2026 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 10181477 | [Redact] | [Redact] | 35939990 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-02): Waived on Rate Lock: Collateral cleared by Custodian | 04/02/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181477 | [Redact] | [Redact] | 36164260 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/29/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181477 | [Redact] | [Redact] | 36172795 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. |  |  |  | Reviewer Comment (2026-04-02): Received CD verified mortgage amount, tax and insurance is not escrowed please provide the tax verification and insurance verification. Exception Remains.<br>Seller Comment (2026-04-01): [Redacted]: Please see attached CD. | 04/02/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181477 | [Redact] | [Redact] | 36172796 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. |  |  |  | Reviewer Comment (2026-04-02): Received CD verified mortgage amount, tax and insurance is not escrowed please provide the tax verification and insurance verification. Exception Remains.<br>Seller Comment (2026-04-01): [Redacted]: Please see attached CD. | 04/02/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181477 | [Redact] | [Redact] | 36172797 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. |  |  |  | Reviewer Comment (2026-04-02): Received new loan approval. Exception Cleared.<br>Seller Comment (2026-04-01): [Redacted]: Please see attached approval letter. Loan has not yet been closed with [Redacted] but qualified off conservative PITIa. | 04/02/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181477 | [Redact] | [Redact] | 36172798 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. |  |  |  | Reviewer Comment (2026-04-02): Received new loan approval. Exception Cleared.<br>Seller Comment (2026-04-01): [Redacted]: Please see attached CD. | 04/02/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181477 | [Redact] | [Redact] | 36172799 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. |  |  |  | Reviewer Comment (2026-04-02): Received new loan approval. Exception Cleared.<br>Seller Comment (2026-04-01): [Redacted]: Please see attached CD. | 04/02/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181477 | [Redact] | [Redact] | 36172800 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. |  |  |  | Reviewer Comment (2026-04-02): Received new loan approval. Exception Cleared.<br>Seller Comment (2026-04-01): [Redacted]: Please note that this loan is currently in the process of closing and still approved with conditions with [Redacted]. Please see the attached approval letter. | 04/02/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181477 | [Redact] | [Redact] | 36172801 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing proof of the PITIA for the REO. It appears the lender was simultaneously refinancing other REO's with the subject and the LE in file is not acceptable to verify the PITIA. Provide a copy of the CD or other documentation to verify the PITIA. |  |  |  | Reviewer Comment (2026-04-02): Received new loan approval. Exception Cleared.<br>Seller Comment (2026-04-01): [Redacted]: Please note that this loan is currently in the process of closing and still approved with conditions with [Redacted]. Please see the attached approval letter. | 04/02/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181482 | [Redact] | [Redact] | 35939991 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian | 03/26/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181482 | [Redact] | [Redact] | 36098370 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Statement. |  |  |  | Reviewer Comment (2026-03-24): Received and associated the Closing Disclosure and note for the mortgage statement. Exception cleared.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached.<br>Seller Comment (2026-03-24): [Redacted]- [Redacted]: Please see attached. | 03/24/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181482 | [Redact] | [Redact] | 36098375 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Statement. |  |  |  | Reviewer Comment (2026-03-24): Received and associated the Closing Disclosure and note for the mortgage statement. Exception cleared.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. | 03/24/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181482 | [Redact] | [Redact] | 36098392 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Insurance Verification and Tax Verification. |  |  |  | Reviewer Comment (2026-03-24): Received and associated the Closing Disclosure, Insurance Verification, Tax Verification for the property. Exception cleared.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]KJ: Please see the attached tax bill and HOI policy<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see the attached tax bill and HOI policy<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. | 03/24/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181482 | [Redact] | [Redact] | 36098406 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Insurance Verification, Statement and Tax Verification. |  |  |  | Reviewer Comment (2026-04-02): CD provided. Exception cleared.<br>Seller Comment (2026-04-01): [Redacted] - [Redacted]: Please see the attached Final CD for the recent refinance via [Redacted]loan #[Redacted].<br>Reviewer Comment (2026-03-31): Received Tax Verification and Insurance Verification However, Required Mortgage Statement, Closing Disclosure or First payment letter for REO property"[Redacted]". confirming the P&I amount of $[Redacted]'. Exception remains.<br>Seller Comment (2026-03-30): [Redacted] - [Redacted]: Please see attached.<br>Reviewer Comment (2026-03-24): Insurance verification, mortgage statement, and tax verification for the property located at [Redacted] have not been provided. Exception Remains.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. | 04/02/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181482 | [Redact] | [Redact] | 36098417 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Statement. |  |  |  | Reviewer Comment (2026-03-24): Received and associated the Closing Disclosure and note for the mortgage statement. Exception cleared.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. | 03/24/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181482 | [Redact] | [Redact] | 36098428 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Statement. |  |  |  | Reviewer Comment (2026-03-24): Received and associated the Closing Disclosure and note for the mortgage statement. Exception cleared.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. | 03/24/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181482 | [Redact] | [Redact] | 36098430 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Statement. |  |  |  | Reviewer Comment (2026-03-24): Received and associated the Closing Disclosure and note for the mortgage statement. Exception cleared.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. | 03/24/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181482 | [Redact] | [Redact] | 36098435 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Statement. |  |  |  | Reviewer Comment (2026-04-01): Received approval for newly opened refinance property. Exception Cleared.<br>Seller Comment (2026-03-30): [Redacted] - [Redacted]: Currently, there are no open liens on [Redacted]. However, the property is currently being refinanced via [Redacted] loan #[Redacted], and the borrower was qualified with the expected PITI(a) of $[Redacted] , which is reflected on the attached approval letter. Loan #[Redacted] has not closed as of [Redacted].<br>Reviewer Comment (2026-03-24): As per the final 1003, the P&I for [Redacted] is listed as $[Redacted]; however, the property history report shows 'no open lien.' Please provide supporting documentation. Exception Remains.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. The refinance of [Redacted] via [Redacted] loan # [Redacted]has not closed. | 04/01/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181482 | [Redact] | [Redact] | 36098443 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Statement. |  |  |  | Reviewer Comment (2026-04-01): Received approval for newly opened refinance property. Exception Cleared.<br>Seller Comment (2026-03-30): [Redacted] - [Redacted]: Currently, there are no open liens on [Redacted]. However, the property is currently being refinanced via [Redacted] loan #[Redacted], and the borrower was qualified with the expected PITI(a) of $[Redacted], which is reflected on the attached approval letter. Loan #[Redacted] has not closed as of [Redacted].<br>Reviewer Comment (2026-03-24): As per the final 1003, the P&I for [Redacted] is listed as $[Redacted]; however, the property history report shows 'no open lien.' Please provide supporting documentation. Exception Remains.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. The refinance of [Redacted] via [Redacted] loan #[Redacted] has not closed. | 04/01/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181482 | [Redact] | [Redact] | 36098446 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Statement. |  |  |  | Reviewer Comment (2026-04-01): Received approval for newly opened refinance property. Exception Cleared.<br>Seller Comment (2026-03-30): [Redacted] - [Redacted]: Currently, there are no open liens on [Redacted]. However, the property is currently being refinanced via [Redacted] loan #[Redacted], and the borrower was qualified with the expected PITI(a) of $[Redacted], which is reflected on the attached approval letter. Loan #[Redacted] has not closed as of [Redacted].<br>Reviewer Comment (2026-03-24): As per the final 1003, the P&I for [Redacted] is listed as $[Redacted]; however, the property history report shows 'no open lien.' Please provide supporting documentation. Exception Remains.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. The refinance of [Redacted] via [Redacted] loan #[Redacted] has not closed. The property is currently free and clear.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. The refinance of [Redacted] via [Redacted] loan #[Redacted]has not closed. The property is currently free and clear. | 04/01/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181482 | [Redact] | [Redact] | 36098550 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 03/19/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10181525 | [Redact] | [Redact] | 35940579 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-20): (Rate Lock) Collateral delivered today. Tracking [Redacted]. Thank! | 03/23/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10194340 | [Redact] | [Redact] | 35946357 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian | 03/26/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 10194340 | [Redact] | [Redact] | 36103001 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |  | 03/20/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 10194334 | [Redact] | [Redact] | 35946363 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian | 04/03/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10194334 | [Redact] | [Redact] | 36181879 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2026-03-31): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/31/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 10194334 | [Redact] | [Redact] | 36181882 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received [Redacted] CD received 3 business days prior to consummation.<br>Seller Comment (2026-04-03): Please see attached closing disclosure and trid history<br>Reviewer Comment (2026-04-03): [Redacted] received CD dated [Redacted] from different property address. Please provide the CD issued to borrower prior to consummation for review or documentation the final CD was provide to borrower 3 business days prior to review.<br>Seller Comment (2026-04-02): Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on [Redacted] and the mailbox rule was applied.<br>Reviewer Comment (2026-04-02): [Redacted] received rebuttal comment but there seems to be no new CD is uploaded in trailing docs. Please provide copy of CD to re-review the exception.<br>Seller Comment (2026-04-01): Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on [Redacted] and the mailbox rule was applied. | 04/06/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 10194334 | [Redact] | [Redact] | 36191436 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-31): Sufficient Cure Provided At Closing |  | 03/31/2026 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 10194341 | [Redact] | [Redact] | 35946672 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-16): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-13): Tracking Number [Redacted] | 03/16/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10194605 | [Redact] | [Redact] | 35947914 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-18): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. | 03/19/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10194985 | [Redact] | [Redact] | 35948665 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-25): You received collateral docs today, [Redacted]- Tracking # [Redacted] | 03/26/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10194985 | [Redact] | [Redact] | 36100135 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). |  |  |  | Reviewer Comment (2026-03-19): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/19/2026 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 10195792 | [Redact] | [Redact] | 35957190 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian | 03/25/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10195792 | [Redact] | [Redact] | 36109498 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash from Borrower $[Redacted] due to missing Final CD from [Redacted]. |  |  |  | Reviewer Comment (2026-03-25): CD from refi of departure residence provided to verify funds to close and the new PITIA.<br>Seller Comment (2026-03-25): [Redacted]: Please see attached CD for the REO [Redacted] | 03/25/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10195792 | [Redact] | [Redact] | 36109535 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redact] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [Redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  | Reviewer Comment (2026-03-25): Disclosure provided<br>Seller Comment (2026-03-23): Please see attached | 03/25/2026 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10195792 | [Redact] | [Redact] | 36109536 |  | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Non-Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2026-03-25): Disclosure provided<br>Seller Comment (2026-03-23): [Redacted] Please see attached | 03/25/2026 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10195792 | [Redact] | [Redact] | 36109538 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |  | 03/20/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 10195792 | [Redact] | [Redact] | 36109558 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] due to missing Final CD from [Redacted]. |  |  |  | Reviewer Comment (2026-03-25): CD from refi of departure residence provided to verify funds to close and the new PITIA.<br>Seller Comment (2026-03-25): [Redacted]: Please see attached CD for the REO [Redacted] | 03/25/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10195792 | [Redact] | [Redact] | 36109564 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash from Borrower $[Redacted] due to missing Final CD from [Redacted]. |  |  |  | Reviewer Comment (2026-03-25): CD from refi of departure residence provided to verify funds to close and the new PITIA.<br>Seller Comment (2026-03-25): [Redacted]: Please see attached CD for the REO [Redacted] | 03/25/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10195792 | [Redact] | [Redact] | 36110038 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final CD/First Payment Letter not provided. |  |  |  | Reviewer Comment (2026-03-25): CD from refi of departure residence provided to verify funds to close and the new PITIA.<br>Seller Comment (2026-03-25): [Redacted]: Please see attached CD for the REO [Redacted] | 03/25/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10195792 | [Redact] | [Redact] | 36110262 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash from Borrower $[Redacted] due to missing Final CD from [Redacted]. |  |  |  | Reviewer Comment (2026-03-25): CD from refi of departure residence provided to verify funds to close and the new PITIA.<br>Seller Comment (2026-03-25): [Redacted]: Please see attached CD for the REO [Redacted] | 03/25/2026 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 10195789 | [Redact] | [Redact] | 35957191 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-30): Waived on Rate Lock: Collateral cleared by Custodian | 03/30/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 10195789 | [Redact] | [Redact] | 36083179 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-03-20): Received Appraisal Package and e-sign tracking with proof that both borrowers. Exception cleared.<br>Seller Comment (2026-03-19): [Redacted] Please see the attached Appraisal Package and e-sign tracking with proof that both borrowers were sent an Appraisal Package on [Redacted] and the mailbox rule was applied. This meets the 7 business days before the closing date of [Redacted]<br>Seller Comment (2026-03-19): [Redacted] Please see the attached Appraisal Package and e-sign tracking with proof that both borrowers were sent an Appraisal Package on [Redacted]and the mailbox rule was applied. This meets the 7 business days before the closing date of [Redacted] | 03/20/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 10195789 | [Redact] | [Redact] | 36083180 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-03-20): Received Appraisal Package and e-sign tracking with proof that both borrowers. Exception cleared.<br>Reviewer Comment (2026-03-19): Required appraiser notice or proof of delivery for appraisal . Exception remains.<br>Seller Comment (2026-03-19): [Redacted] Please see the attached Appraisal Package and e-sign tracking with proof that both borrowers were sent an Appraisal Package on [Redacted] and the mailbox rule was applied. This meets the 7 business days before the closing date of [Redacted] | 03/20/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 10195786 | [Redact] | [Redact] | 35957209 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian | 03/20/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 10196514 | [Redact] | [Redact] | 35958488 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian | 04/01/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10196514 | [Redact] | [Redact] | 36159221 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/29/2026 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10196514 | [Redact] | [Redact] | 36170068 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the YTD pay stub or the full WVOE to verify the borrower's income. |  |  |  | Reviewer Comment (2026-03-31): Received YTD Paystubs. Exception cleared.<br>Seller Comment (2026-03-30): (Rate Lock) Paystubs attached. | 03/31/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10196856 | [Redact] | [Redact] | 35961190 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian | 03/25/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10196856 | [Redact] | [Redact] | 36098679 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Reviewer Comment (2026-03-19): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/19/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 10196901 | [Redact] | [Redact] | 35961484 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-24): attached | 03/26/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10196901 | [Redact] | [Redact] | 36102344 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 03/20/2026 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10196903 | [Redact] | [Redact] | 35961712 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-31): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-30): note [Redacted] tracking: [Redacted] | 03/31/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10196903 | [Redact] | [Redact] | 36159151 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2026-03-29): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/29/2026 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 10196903 | [Redact] | [Redact] | 36159152 |  | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  |  | Reviewer Comment (2026-04-02): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law.<br>Seller Comment (2026-04-02): Seller requests buyer review: OK to waive per CNR<br>Reviewer Comment (2026-03-31): Elevated to the client for review<br>Seller Comment (2026-03-30): please see attached business purpose certs |  |  | 04/02/2026 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10198794 | [Redact] | [Redact] | 35969182 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-24): Please see attached collateral package with shipping number. | 03/26/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 10198798 | [Redact] | [Redact] | 35969364 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-18): Tracking Number [Redacted] | 03/19/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10200228 | [Redact] | [Redact] | 35975517 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-04-03): (Rate Lock) [Redacted] | 04/03/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 10200291 | [Redact] | [Redact] | 35985031 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian | 03/20/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10200291 | [Redact] | [Redact] | 36091280 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 12 months Business Bank Statements from month ending [Redacted] through [Redacted] not provided. |  |  |  | Reviewer Comment (2026-03-24): Received and associated 12 months Business Bank Statements. Exception Cleared.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. | 03/24/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10200291 | [Redact] | [Redact] | 36091315 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | 12 months Business Bank Statements from month ending [Redacted] through [Redacted] not provided. |  |  |  | Reviewer Comment (2026-03-24): Received and associated 12 months Business Bank Statements. Exception Cleared.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. | 03/24/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10200291 | [Redact] | [Redact] | 36091327 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-18): Sufficient Cure Provided At Closing |  | 03/18/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 10200291 | [Redact] | [Redact] | 36091340 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | 12 months Business Bank Statements from month ending [Redacted]through [Redacted] not provided. |  |  |  | Reviewer Comment (2026-03-24): Received and associated 12 months Business Bank Statements. Exception Cleared.<br>Seller Comment (2026-03-24): [Redacted]- [Redacted]: Please see attached.<br>Seller Comment (2026-03-24): [Redacted] - [Redacted]: Please see attached. | 03/24/2026 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 10200291 | [Redact] | [Redact] | 36091341 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | 12 months Business Bank Statements from month ending [Redacted] through [Redacted] not provided. |  |  |  | Reviewer Comment (2026-03-24): Received and associated 12 months Business Bank Statements. Exception Cleared. | 03/24/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10200291 | [Redact] | [Redact] | 36091481 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-18): Sufficient Cure Provided At Closing |  | 03/18/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 10200290 | [Redact] | [Redact] | 35985136 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-04-03): (Rate Lock) tracking info | 04/06/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 10200290 | [Redact] | [Redact] | 36207523 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-01): Sufficient Cure Provided within 60 Days of Closing |  | 04/01/2026 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| [Redact] | 10200290 | [Redact] | [Redact] | 36207547 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 04/02/2026 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 10200290 | [Redact] | [Redact] | 36217145 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR, DTI not Understated | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  |  | 04/02/2026 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 10201305 | [Redact] | [Redact] | 35993551 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian | 04/03/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10201298 | [Redact] | [Redact] | 35993675 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-03-24): Note [Redacted] tracking# [Redacted] | 03/25/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10201298 | [Redact] | [Redact] | 36103719 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2026-03-20): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/20/2026 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 10201298 | [Redact] | [Redact] | 36136111 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Upon further review, the file was missing documentation to verify the $[Redacted] other expenses for the REO. It appears these are HOA dues, but the file was missing documentation to confirm. |  |  |  | Reviewer Comment (2026-03-27): Received and associated updated 1003. Exception cleared.<br>Seller Comment (2026-03-26): apologies, our system wasn't updated to the $[Redacted] HOA amount. revised 1003 attached with the corrections<br>Reviewer Comment (2026-03-25): HOA verification is considered, however we have remaining expenses balance of $[Redacted]. Please provide the documentation for these expenses. Exception Remains.<br>Seller Comment (2026-03-24): Please see attached HOA doc for REO [Redacted] | 03/27/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10201340 | [Redact] | [Redact] | 35993882 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian | 03/25/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 10201340 | [Redact] | [Redact] | 36084724 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 03/19/2026 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 10202571 | [Redact] | [Redact] | 36000473 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-04-01): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 04/01/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10206521 | [Redact] | [Redact] | 36039408 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian | 03/25/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 10206521 | [Redact] | [Redact] | 36103422 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  | Reviewer Comment (2026-03-20): Client elected to waive the condition on the Non-QM 1st lien |  |  | 03/20/2026 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 10206521 | [Redact] | [Redact] | 36103425 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |  | 03/20/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 10206521 | [Redact] | [Redact] | 36103426 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |  | 03/20/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 10206555 | [Redact] | [Redact] | 36042136 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-04-07): Collateral delivered on [Redact] via [Redact] tracking number [Redact] | 04/09/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 10207043 | [Redact] | [Redact] | 36047927 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian | 03/25/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10207043 | [Redact] | [Redact] | 36103741 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance and Tax Verification for [Redacted]. not provided. |  |  |  | Reviewer Comment (2026-03-24): Received Tax Verification and Insurance Verification. Exception Cleared.<br>Seller Comment (2026-03-23): REO Docs | 03/24/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10217186 | [Redact] | [Redact] | 36102382 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2026-04-16): (Rate Lock) [Redacted] | 04/20/2026 |  |  | 1 A |  | [Redact] | Second Home | Purchase | A | Non QM | Non QM | No |
| [Redact] | 10217620 | [Redact] | [Redact] | 36110225 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-04-06): Waived on Rate Lock: Collateral cleared by Custodian | 04/06/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9984615 | [Redact] |  | 36163101 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | As per UW comments it shows that the actual leases were used. However, no lease agreement available in file. Please provide lease agreement for the subject property. |  |  |  | Reviewer Comment (2026-02-25): Lease agreement for the subject property received. Exception cleared.<br>Buyer Comment (2026-02-25): Prior and present lease agreement | 02/25/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9984615 | [Redact] |  | 36163102 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | Business Purpose Certificate is required as per guide. |  |  |  | Reviewer Comment (2026-02-25): Executed and notarized Business Purpose Certificate received. Exception cleared.<br>Buyer Comment (2026-02-25): Business purpose affidavit | 02/25/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9984615 | [Redact] |  | 36163103 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing Protection Letter required as per guide. |  |  |  | Reviewer Comment (2026-02-25): Received Closing Protection Letter. Exception cleared<br>Buyer Comment (2026-02-25): Closing protection letter | 02/25/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9984615 | [Redact] |  | 36163104 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Cash-Out Utilization missing and is required. |  |  |  | Reviewer Comment (2026-02-25): Received LOE for Cash-Out Utilization. Exception cleared<br>Buyer Comment (2026-02-25): Cash out letter | 02/25/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9984615 | [Redact] |  | 36163105 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Borrower currently stays on rent on primary property and payment history is missing for the same. For rental verification a standard VOR completed by a professional management company<br> or 12 months bank statements or canceled checks and a lease agreement to document<br> the term and payment are required. |  |  |  | Reviewer Comment (2026-02-27): Received bank statement evidencing the rental payments made from [Redacted] - [Redacted]. Exception cleared<br>Buyer Comment (2026-02-26): Missing months pay history<br>Reviewer Comment (2026-02-25): Received Lease agreement and D1C asset confirming rental payment for [Redacted], [Redacted] and [Redacted], [Redacted] and [Redacted] [Redacted] however as per guide, For rental verification a standard VOR completed by a professional management company or 12 months bank statements or canceled checks and a lease agreement to document the term and payment are required. Hence provide either cancelled checks or bank statement for [Redacted] and [Redacted] and [Redacted] to evidence the rental payment. Exception remains.<br>Buyer Comment (2026-02-25): Lease and transactions verifying rental history | 02/27/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9984615 | [Redact] |  | 36163106 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Appraisal shows that the subject is Owner occupied which casts doubt on the business purpose of the loan. Require updated Appraisal to reflect correct occupancy. |  |  |  | Reviewer Comment (2026-02-25): Received form 442 confirming property is tenant occupied. Exception cleared.<br>Buyer Comment (2026-02-25): Completion cert from appraiser confirming tenant occupied | 02/25/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10139385 | [Redact] |  | 36163109 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The sale Price $[Redacted] is not reflecting on the Purchase Agreement / Sales Contract available hence require an updated Purchase Agreement / Sales Contract with required sale price. |  |  |  | Reviewer Comment (2026-03-05): Received Sales contract addendum for purchase price as the terms on the original contract were rejected by the seller. Exception cleared.<br>Buyer Comment (2026-03-04): Amended sales contract signed by all parties<br>Reviewer Comment (2026-03-03): Received sales contract addendum for the change in the purchase price however purchase contract is missing with the seller's signature as an acceptance to the terms on the contract. Exception remains.<br>Buyer Comment (2026-02-27): Purchase contract amendment with purchase price | 03/05/2026 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 10139385 | [Redact] |  | 36163110 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Copy of security instrument is not stamped true and certified and required as per guide. Also, County name on security instrument is reflecting as [Redacted] however full county name should be mentioned as '[Redacted]' hence require updated security instrument. Lender to ensure all required documents match property address reflected on title report. |  |  |  | Reviewer Comment (2026-03-03): Received Security Instrument with true and certified copy and recorded copy. Exception cleared.<br>Buyer Comment (2026-02-27): [Redacted] affidavit correcting county<br>Buyer Comment (2026-02-27): Copy of recorded mortgage | 03/03/2026 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 10139385 | [Redact] |  | 36163111 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Trust Agreement is required for utilization of trust funds for the acc #[Redacted]. |  |  |  | Reviewer Comment (2026-03-03): Received Trust agreement confirming the trustees on the trust for funds utilization from trust account. Exception cleared.<br>Buyer Comment (2026-03-02): Trust certification | 03/03/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 10139385 | [Redact] |  | 36163112 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Trust Agreement is required for utilization of trust funds for (3) different accounts held under the master acct #[Redacted]. |  |  |  | Reviewer Comment (2026-02-25): Consolidated into one exception.. Trust Agreement is required for utilization of trust funds for (3) different accounts held under the master acct #[Redacted].<br>Buyer Comment (2026-02-25): Is this a duplicate exception | 02/25/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 10139385 | [Redact] |  | 36163113 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Trust Agreement is required for utilization of trust funds for the acct #[Redacted]. |  |  |  | Reviewer Comment (2026-02-25): Consolidated into one exception.. Trust Agreement is required for utilization of trust funds for (3) different accounts held under the master acct #[Redacted].<br>Buyer Comment (2026-02-25): Is this a duplicate exception | 02/25/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 10151252 | [Redact] |  | 36163115 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Borrower must have a minimum of 12 months ownership and management of income producing residential or commercial real estate within the past 24 months.<br> REO properties are given on Fraud report however unable to identify the occupancy. Require additional documents to confirm the borrower's investor experience. |  |  |  | Reviewer Comment (2026-03-03): Received Letter confirming the borrower is the owner and property is been rented for $[Redacted]. Exception cleared.<br>Buyer Comment (2026-03-02): LOX | 03/03/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10151252 | [Redact] |  | 36163116 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | Properties listed for sale are ineligible for refinance unless the listing was withdrawn (or expired) [Redacted] months prior to the date of closing. however as per appraisal report property was listed multiple times between [Redacted] - [Redacted] unable to determine the date listing was withdrawn. |  |  |  | Reviewer Comment (2026-03-03): Received detailed explanation confirming the listing was done by the previous owner and borrower did not list the property after purchasing. Exception cleared.<br>Buyer Comment (2026-03-02): see lox | 03/03/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10155277 | [Redact] |  | 36163119 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report required for Borrower, [Redact]. |  |  |  | Reviewer Comment (2026-03-06): Received Fraud Report For Borrower. Exception Cleared<br>Buyer Comment (2026-03-05): fraud report | 03/06/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10155277 | [Redact] |  | 36163121 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Borrower current address is [Redacted], No History Provided-missing fraud report |  |  |  | Reviewer Comment (2026-03-09): Received the updated credit report including housing history.<br>Buyer Comment (2026-03-05): per lender: Fraud Report uploaded. Primary residence is with [Redacted], on credit report. | 03/09/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10202442 | [Redact] |  | 36163125 |  | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. |  |  |  |  |  | Reviewer Comment (2026-02-17): cleared | 02/17/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 10202442 | [Redact] |  | 36163126 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report for the entity "[Redacted]" and the borrower "[Redacted]" is missing in file. |  |  |  | Reviewer Comment (2026-02-19): Received Fraud Report for both borrower and entity. Exception Cleared<br>Buyer Comment (2026-02-19): Business Fraud report<br>Buyer Comment (2026-02-19): Fraud report | 02/19/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 10202442 | [Redact] |  | 36163127 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC report for the entity and borrower is missing in file. |  |  |  | Reviewer Comment (2026-02-18): Received OFAC for borrower and business entity. Exception Cleared<br>Buyer Comment (2026-02-17): OFAC | 02/18/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 10202442 | [Redact] |  | 36163130 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | State on flood certificate is reflecting as [Redacted] instead of [Redacted]. Provide corrected flood cert with updated state. |  |  |  | Reviewer Comment (2026-02-18): Received Flood Cert with Correction In Property state. Exception Cleared<br>Buyer Comment (2026-02-17): Updated flood | 02/18/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 10202442 | [Redact] |  | 36163133 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | Letter of explanation / source of funds / deposit for all large deposit reflecting on the bank statement. ($[Redacted]/ $[Redacted]/ $[Redacted]/ $[Redacted]/ $[Redacted]/ $[Redacted]/ $[Redacted]) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2026-03-20): Cleared - The LOE provided is sufficient to meet the guideline requirement. "Large deposits, defined as a single deposit that exceeds five (5) percent of the loan amount, require a LOE. If the LOE is sufficient, no sourcing is required. If the LOE is insufficient and the funds cannot be sourced, the deposit must be subtracted from asset amount."<br>Reviewer Comment (2026-03-10): Per client, Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2026-03-10): DSCR v12 new [Redacted] #[Redacted]<br>Buyer Comment (2026-03-10): Loan moving to [Redacted], sourcing of large deposits not required.<br>Buyer Comment (2026-03-06): LOE<br>Reviewer Comment (2026-02-23): Provided LOX is from Underwriter, however as per guide, a signed letter of explanation from the Borrower is required for all large deposit reflecting on the bank statement. Exception Remains<br>Buyer Comment (2026-02-20): LOX | 03/20/2026 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 10202442 | [Redact] |  | 36163134 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Required verification of housing history for [Redacted] #[Redacted] #[Redacted] and [Redacted] #[Redacted] verifying until [Redacted] payment. Look back date is [Redacted]. DLA for [Redacted] #[Redacted] is [Redacted] and for [Redacted] #[Redacted] is [Redacted] and [Redacted] is [Redacted]. |  |  |  | Reviewer Comment (2026-02-20): Received credit supplement confirming mortgages with [Redacted] #[Redacted]#[Redacted]and [Redacted] #[Redacted] are paid until [Redacted]. Meets guide requirement of 45 days look back date. Exception cleared.<br>Buyer Comment (2026-02-19): pay history | 02/20/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 10202442 | [Redact] |  | 36163135 |  | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. |  | Borrower is refinancing Privately held mortgage and as per guide, Refinancing a privately held mortgage the following payment verification requirements apply:<br> o The privately held mortgage payments must be verified with either cancelled checks or bank statements (if the payment is automatically withdrawn from the borrower's account). |  |  |  | Reviewer Comment (2026-02-18): VOM Noted there is no payment required to be made until loan is paid off therefore no payment verification require. Exception Cleared<br>Buyer Comment (2026-02-17): VOM | 02/18/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 10106046 | [Redact] |  | 36191405 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is provided for Gurantor [Redacted]'s lease is month to month and Gurantor [Redacted]'s lease expires in less than [Redacted] months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |  | [Redact] | Reviewer Comment (2026-01-13): Client elects to waive with verified compensation factors |  |  | 01/13/2026 | 2 B |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 10106046 | [Redact] |  | 36191406 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Document in file is > 120 days old. |  |  |  | Reviewer Comment (2026-02-10): Per client email confirmation, [Redacted] does not consider this document a credit document to be dated within 120 days of closing.<br>Buyer Comment (2026-02-06): A letter of tax clearance in [Redacted] is an official document issued by the [Redacted] Comptroller of Public Accounts confirming that a business entity has paid all required state franchise taxes, penalties, and interest. It is primarily used to restore a business to "good standing" after its right to transact business has been forfeited or involuntarily terminated by the Secretary of State. | 02/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 10106046 | [Redact] |  | 36191407 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The Guarantor Agreement lists [Redacted] on page [Redacted], however the agreement is not signed by this individual. |  |  |  | Reviewer Comment (2026-02-10): Signed Guarantor Agreement provided<br>Buyer Comment (2026-02-06): Attached | 02/10/2026 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 10106046 | [Redact] |  | 36191408 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note + addendums, DOT + Riders, Business Purpose Cert and Occupancy Cert are not executed by [Redacted]. All documents list a signature line for this individual. |  |  |  | Reviewer Comment (2026-02-10): Documents executed by [Redacted] provided.<br>Buyer Comment (2026-02-09): Please see attached | 02/10/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 10153951 | [Redact] |  | 36262978 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-25): Sufficient Cure Provided At Closing |  | 02/25/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 10153951 | [Redact] |  | 36262979 |  | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. |  | VOR for current property completed by landlord, therefore 12 months bank statement and lease agreement required as per guideline, file only has 12 months bank statement history, please provide lease agreement. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] years<br>[Redacted] vs [Redacted] | [Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2026-03-19): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2026-03-19): investor exception approval<br>Reviewer Comment (2026-03-10): received lease agreement that is expired on [Redacted]. Also the clause states if the tenants wants to extend the lease they need to inform 2 months in advance however there is no clause on the agreement pertaining to lease been continued on a month-to-month basis after expiry. Provide updated agreement with the month-to-month clause after expiry or an unexpired lease agreement. Exception remains.<br>Buyer Comment (2026-03-09): Lease agreement. Per seller is now month to month.<br>Reviewer Comment (2026-03-03): Same VOR provided. File only has 12 months bank statement history, please provide lease agreement. Exception remains<br>Buyer Comment (2026-03-02): LOE for February payment explaining lowered rent in exchange for tenant repair on property<br>Buyer Comment (2026-03-02): Property detail and VOR<br>Buyer Comment (2026-03-02): Transaction history |  |  | 03/19/2026 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10153951 | [Redact] |  | 36262980 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | -Required one of the following: <br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] years<br>[Redacted] vs [Redacted] | [Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2026-03-06): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2026-03-04): investor exception approval |  |  | 03/06/2026 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10213385 | [Redact] |  | 36262983 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The security instrument in file is missing " true and certified stamped copy of the original recorded". |  |  |  | Reviewer Comment (2026-03-03): Cleared based on client directive. | 03/03/2026 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 10213385 | [Redact] |  | 36262985 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal was provided [Redacted] but missing evidence of receipt within 3 days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2026-03-13): Acknowledged non material EV2<br>Reviewer Comment (2026-03-13): Appraiser Name [Redacted] - Primary Appraisal report date is [Redacted] which is on the note date [Redacted]. Provide Prior appraisal report for [Redacted] (appraiser) which is more than 3 days prior to the note date along with delivery instructions. Exception remains.<br>Buyer Comment (2026-03-12): Appraisal delivery |  |  | 03/13/2026 | 2 B |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 10213385 | [Redact] |  | 36262986 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal was provided [Redacted] but missing evidence of receipt within 3 days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2026-03-13): Acknowledged non material EV2<br>Reviewer Comment (2026-03-13): Appraiser Name [Redacted] - Primary Appraisal report date is [Redacted] which is on the note date [Redacted]. Provide Prior appraisal report for [Redacted] (appraiser) which is more than 3 days prior to the note date along with delivery instructions. Exception remains.<br>Buyer Comment (2026-03-12): Appraisal delivery |  |  | 03/13/2026 | 2 B |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 10213385 | [Redact] |  | 36262987 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2026-03-19): Business Narrative is provided from borrower. Exception cleared<br>Buyer Comment (2026-03-18): See upload [Redacted]. | 03/19/2026 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| [Redact] | 10213385 | [Redact] |  | 36262989 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2026-03-19): Received Corrected Initial escrow disclosure. Exception Cleared<br>Buyer Comment (2026-03-17): CD<br>Buyer Comment (2026-03-17): IEADS | 03/19/2026 |  |  | 1 B A |  | [Redact] | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [Redact] | 10213385 | [Redact] |  | 36262990 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2026-03-13): Homeowner Counseling disclosure receive, Exception Cleared<br>Buyer Comment (2026-03-12): [Redacted] | 03/13/2026 |  |  | 1 B A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 10213385 | [Redact] |  | 36262991 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-19): Business Narrative is provided from borrower. Exception cleared<br>Buyer Comment (2026-03-18): See upload [Redacted]. | 03/19/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 10213385 | [Redact] |  | 36262992 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A business narrative is required from the borrower to describe the type of business and number of employees, however borrower signature is missing in business narrative. |  |  |  | Reviewer Comment (2026-03-19): Business Narrative is provided from borrower. Exception cleared<br>Buyer Comment (2026-03-18): Attached | 03/19/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 10213385 | [Redact] |  | 36262993 |  | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. |  |  |  |  |  | Reviewer Comment (2026-03-30): cleared<br>Buyer Comment (2026-03-30): [Redacted] agrees with value | 03/30/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 10201294 | [Redact] | [Redact] | 36263005 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. | Appraisal property type of ___ does not match Guideline property type of ___. | Appraisal report images reflects [Redacted], however as per guide Farms/Working farms are ineligible property type. Review for acceptability. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2026-04-03): Per client no exception was required and property was accepted as is. Issue has been cleared.<br>Reviewer Comment (2026-04-03): Re-open<br>Reviewer Comment (2026-03-10): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2026-03-09): [Redacted] accepts the subject property.<br>Buyer Comment (2026-03-09): Please move the loan to [Redacted] . Non QM V13<br>Reviewer Comment (2026-03-05): Waiting on approval to move loan.<br>Buyer Comment (2026-03-03): Loan will be moving to [Redacted]<br>Buyer Comment (2026-03-03): investor exception approval | 04/03/2026 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10201294 | [Redact] | [Redact] | 36263006 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title policy/commitment does not reflect sufficient title insurance coverage |  | Title report reflects "[Redacted]". All credit docs in file reflect "[Redacted]", all credit docs to be updated to match title or title to be changed or client to accept as is. |  |  |  | Reviewer Comment (2026-03-03): Title supplement is provided with correct subject City name. Exception Cleared<br>Buyer Comment (2026-03-02): title supp | 03/03/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10201294 | [Redact] | [Redact] | 36263009 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign consent is dated [Redacted]. Provide earlier dated e-consent. |  |  |  | Reviewer Comment (2026-03-02): [Redacted] received earliest E-Consent dated [Redacted].<br>Buyer Comment (2026-02-27): Econsent | 03/02/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10201294 | [Redact] | [Redact] | 36263011 |  | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. |  |  |  |  |  | Reviewer Comment (2026-03-23): Investor accepts value.<br>Buyer Comment (2026-03-23): [Redacted] accepts value | 03/23/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10155362 | [Redact] |  | 36295664 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2026-03-02): Flood Certificate received.<br>Buyer Comment (2026-02-26): Flood certificate | 03/02/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10155350 | [Redact] |  | 36295670 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved exception for 1 Non- Signing member with [Redacted]% equity to sign the corporate resolution via [Redacted]. Compensating factors: Credit score is [Redacted], LTAIV is [Redacted]%. | Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | # of Properties Completed: [Redacted]<br> # of Projects (last [Redacted] months): <br> # of Renovation Projects Completed ([Redacted] and [Redacted]):<br>Guidelines Representative FICO: [Redacted]<br> Representative FICO: [Redacted] | Originator Pre-Close,[Redact]<br>Originator Pre-Close,[Redact] | Reviewer Comment (2026-02-20): Waived with compensating factors per lender exception approval at origination |  |  | 02/20/2026 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 10155350 | [Redact] |  | 36295671 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD is missing on file. |  |  |  | Reviewer Comment (2026-02-20): Received Final HUD-1<br>Buyer Comment (2026-02-20): Final HUD | 02/20/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 10179399 | [Redact] |  | 36416681 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2026-03-19): Rate lock received and captured in file; Exception cleared.<br>Buyer Comment (2026-03-18): Uploaded | 03/19/2026 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10179399 | [Redact] |  | 36416684 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan discount fee increased on CD dated[Redacted], with no valid change or evidence of a cure provided. |  |  |  | Reviewer Comment (2026-03-20): [Redacted] received updated LE and valid change circumstance.<br>Buyer Comment (2026-03-18): Uploaded | 03/20/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| [Redact] | 10179399 | [Redact] |  | 36416685 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer tax fee increased on CD dated [Redacted], Cure of $[Redacted] was not sufficient for all of the tolerance violations. |  |  |  | Reviewer Comment (2026-03-20): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-03-18): Uploaded LE and COC [Redacted]. Cure of $[Redacted] will cover the transfer tax. | 03/20/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| [Redact] | 10179399 | [Redact] |  | 36416687 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-20): Sufficient Cure Provided At Closing |  | 03/20/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| [Redact] | 10179399 | [Redact] |  | 36416688 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | LE dated [Redacted] not received by borrower at least four (4) business days prior to closing. <br> The consummation took place on [Redacted], and the timeline dictates that any LE must be received (Section 1026.19(e)(4)(ii) also requires that the consumer must receive...) by the borrower no later than [Redacted]. While the LE was issued on [Redacted], per the signature date on the document it was not received until [Redacted]. The [Redacted] received date is also supported by document [Redacted] in the loan file. Because the document was not received until [Redacted] it does not meet the 4-day requirement and the exception is valid. |  |  |  | Reviewer Comment (2026-03-31): Received the updated wet singed LE.<br>Buyer Comment (2026-03-31): Uploaded | 03/31/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 10179317 | [Redact] |  | 36416693 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [Redacted] of [Redacted]on Final Closing Disclosure provided on [Redacted] are underdisclosed. | The final CD dated [Redacted] non-escrowed property cost is blank on page [Redacted]; Although there is a monthly HOA payment of $[Redacted], which is not escrowed. |  |  |  | Reviewer Comment (2026-03-31): [Redacted] received Letter of Explanation & Corrected CD<br>Buyer Comment (2026-03-31): uploaded |  | 03/31/2026 |  | 2 C B |  | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| [Redact] | 10179317 | [Redact] |  | 36416694 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-12): Sufficient Cure Provided At Closing |  | 03/12/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redact] | 10179404 | [Redact] |  | 36416698 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Interested party contribution of $[Redacted] exceeds [Redacted]% guideline ($[Redacted]). Reduced sales price and appraised value by the difference ($[Redacted]) causing LTV to exceed guidelines. |  |  |  | Reviewer Comment (2026-03-24): See IPC excessive contribution exception,accepted and waived by investor. .<br>Buyer Comment (2026-03-24): Uploaded | 03/24/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10179404 | [Redact] |  | 36416699 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Interested party contribution of $[Redacted] exceeds [Redacted]% guideline ($[Redacted]). Reduced sales price and appraised value by the difference ($[Redacted]) causing CLTV to exceed guidelines. |  |  |  | Reviewer Comment (2026-03-24): See IPC excessive contribution exception,accepted and waived by investor. .<br>Buyer Comment (2026-03-24): Uploaded | 03/24/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10179404 | [Redact] |  | 36416700 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The acknowledgement in file indicates the appraisal was received prior to both signature dates. |  |  |  | Reviewer Comment (2026-03-17): Appraisal delivery captured in file; Exception cleared.<br>Buyer Comment (2026-03-16): Appraisal Receipt Acknowledgment 1st disclosure signed on [Redacted] confirmed receipt of Appraisal [Redacted] on [Redacted]. Revised Appraisals [Redacted] and [Redacted] are revised copies with additional appraiser comment for requested clarification and no change in appraised value. | 03/17/2026 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10179404 | [Redact] |  | 36416701 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The acknowledgement in file indicates the appraisal was received prior to both signature dates. |  |  |  | Reviewer Comment (2026-03-17): Appraisal delivery captured in file; Exception cleared. | 03/17/2026 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10179404 | [Redact] |  | 36416702 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The acknowledgement in file indicates the appraisal was received prior to both signature dates. |  |  |  | Reviewer Comment (2026-03-17): Appraisal delivery captured in file; Exception cleared.<br>Buyer Comment (2026-03-16): Appraisal Receipt Acknowledgment 1st disclosure signed on [Redacted] confirmed receipt of Appraisal [Redacted] on [Redacted]. Revised Appraisals [Redacted] and [Redacted] are revised copies with additional appraiser comment for requested clarification and no change in appraised value. | 03/17/2026 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10179404 | [Redact] |  | 36416703 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | The acknowledgement in file indicates the appraisal was received prior to both signature dates. |  |  |  | Reviewer Comment (2026-03-20): Appraisal delivery received in file; Exception cleared.<br>Buyer Comment (2026-03-19): Uploaded<br>Reviewer Comment (2026-03-18): Appraisal delivery to borrower for report dated [Redacted] is missing in file; Exception remains.<br>Buyer Comment (2026-03-17): Appraisal Receipt Acknowledgment 1st disclosure signed on [Redacted] confirmed receipt of Appraisal [Redacted] on [Redacted]. Revised Appraisals [Redacted] and [Redacted] are revised copies with additional appraiser comment for requested clarification and no change in appraised value. | 03/20/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10179404 | [Redact] |  | 36416704 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The acknowledgement in file indicates the appraisal was received prior to both signature dates. |  |  |  | Reviewer Comment (2026-03-17): Appraisal delivery captured in file; Exception cleared. | 03/17/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10179404 | [Redact] |  | 36416705 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The acknowledgement in file indicates the appraisal was received prior to both signature dates. |  |  |  | Reviewer Comment (2026-03-20): Appraisal delivery received in file; Exception cleared.<br>Buyer Comment (2026-03-19): Uploaded<br>Reviewer Comment (2026-03-18): Appraisal delivery to borrower for report dated [Redacted] is missing in file; Exception remains.<br>Buyer Comment (2026-03-17): Appraisal Receipt Acknowledgment 1st disclosure signed on [Redacted] confirmed receipt of Appraisal [Redacted] on [Redacted]. Revised Appraisals [Redacted] and [Redacted] are revised copies with additional appraiser comment for requested clarification and no change in appraised value. | 03/20/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10179404 | [Redact] |  | 36416708 |  | Credit | Guideline | Guideline Issue | Guideline | The Borrower's minimum contribution was not met, per guidelines. | LTV: ___; <br> Purpose: ___; <br> Percent of Borrower's Contribution: ___ | Guide max IPC if [Redacted]%, actual IPC on final CD was [Redacted]% | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | [Redacted] vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2026-03-24): Investor accepts and agrees to waive with compensating factors. |  |  | 03/24/2026 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10179506 | [Redact] |  | 36416718 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing |  | 03/24/2026 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redact] | 10179506 | [Redact] |  | 36416719 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2026-03-26): Loan estimate with rate lock as "Yes" dated [Redacted] has been captured. Exception cleared.<br>Buyer Comment (2026-03-25): Loan Estimate Dcoument [Redacted] shows the rate lock which is acceptable. | 03/26/2026 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10228343 | [Redact] |  | 36486575 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application |  |  |  | Reviewer Comment (2026-01-28): Received Initial Disclosure shows Disclosure were sent on [Redacted]. Exception Cleared<br>Buyer Comment (2026-01-27): Please see uploaded Upfront cover page and consent log showing disclosures sent out [Redacted].<br>Reviewer Comment (2026-01-22): Provided Tracking does not support Business Affiliated disclosure sent to borrower. it does not specified. Provide Copy sent on [Redacted]. Exception Remains<br>Buyer Comment (2026-01-20): Please see uploaded tracking showing disclosures were mailed on [Redacted]. | 01/28/2026 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10228343 | [Redact] |  | 36486576 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of originator application date. |  |  |  | Reviewer Comment (2026-01-28): Received Initial Disclosure shows Disclosure were sent on [Redacted]. Exception Cleared<br>Buyer Comment (2026-01-27): Upfront cover page and consent log showing disclosures sent out [Redacted].<br>Reviewer Comment (2026-01-22): Provided Tracking does not support Homeownership Counseling disclosure sent to borrower. it does not specified. Provide Copy sent on [Redacted]. Exception Remains<br>Buyer Comment (2026-01-20): See attached tracking showing disclosures were mailed [Redacted] | 01/28/2026 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10228348 | [Redact] |  | 36486580 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Missing evidence the appraisal was provided to the borrower at least three (3) business days prior to closing. |  |  |  | Buyer Comment (2026-01-30): Acknowledged non material EV2<br>Reviewer Comment (2026-01-30): Borrower Confirmed Receipt of appraisal on [Redacted] whereas appraisal report dated [Redacted]. provide original appraisal report for review. Exception Remains<br>Buyer Comment (2026-01-29): appraisal receipt form |  |  | 01/30/2026 | 2 B |  | [Redact] | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10228349 | [Redact] |  | 36486584 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] Or provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-02-03): Received replacement cost estimate. Exception cleared<br>Buyer Comment (2026-02-02): Replacement cost estimator | 02/03/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A | N/A | N/A | No |
| [Redact] | 10228345 | [Redact] |  | 36486589 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Required Free & Clear documentation for REO property at [Redacted]. |  |  |  | Reviewer Comment (2026-02-19): Satisfaction of mortgage is provided in file. Exception Cleared<br>Buyer Comment (2026-02-19): satisfaction of mortgage | 02/19/2026 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10228345 | [Redact] |  | 36486590 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 is not signed by LO or borrowers. |  |  |  | Buyer Comment (2026-02-23): Acknowledged non material EV2<br>Buyer Comment (2026-02-23): Per Lender: "Loan originally came in as a different product and switched to [Redacted]. We redisclosed but did not get the updated initial 1003 signed by the LO and borrower. We have the updated 1003 (unsigned) and also signed (post closing). Please let me know what we can do to clear this condition. Thank you, [Redacted]"<br>Reviewer Comment (2026-02-23): We did not receive the document. Borrower and LO executed Initial 1003 is still missing. Exception remains<br>Buyer Comment (2026-02-20): 1003<br>Reviewer Comment (2026-02-19): Received 1003 which is Signed by borrower post closing, Require initial Application 1003 signed by borrower and LO. Exception Remains<br>Buyer Comment (2026-02-18): Signed 1003 |  |  | 02/23/2026 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10228345 | [Redact] |  | 36486592 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Provided HOI policy of subject property reflects incorrect zip code, required updated HOI policy with correct zip code. |  |  |  | Reviewer Comment (2026-02-09): Received Updated HOI Policy with updated zip code. Exception cleared<br>Buyer Comment (2026-02-09): hoi | 02/09/2026 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10228345 | [Redact] |  | 36486593 |  | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. |  | Required satisfactory letter of explanation for housing history of property [Redacted], as property been marked as Free & Clear in 1003 but HOI policy reflects mortgagee clause, [Redacted]. |  |  |  | Reviewer Comment (2026-02-20): Received Evidence of Free and clear confirmed paid off Mortgage lien. Exception Cleared<br>Buyer Comment (2026-02-19): satisfaction of mortgage<br>Reviewer Comment (2026-02-13): Provided HOI is for subject property, required Free & Clear document for REO property [Redacted]. Exception remains<br>Buyer Comment (2026-02-12): Amended HOI 1st mtg deleted | 02/20/2026 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10228350 | [Redact] |  | 36486594 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. |  | Wage Income is qualified by Average Monthly Income and Bonus Income by [Redacted] Year Average Income(YTD [Redacted]and YTD [Redacted]) hence require two years Tax Transcripts |  |  |  | Reviewer Comment (2026-02-25): Received 1040 transcripts for year [Redacted] and [Redacted] since transcripts for year [Redacted] are not available. Considered [Redacted] years for [Redacted] and [Redacted]. Exception cleared.<br>Buyer Comment (2026-02-25): [Redacted] -[Redacted]IRS transcripts<br>Reviewer Comment (2026-02-17): Guide states Tax returns are not required for wages income, but IRS tax transcripts must align to the income being used to qualify. However, bonus income is being used for [Redacted] year average, required [Redacted] years transcript for year [Redacted]-[Redacted]. Exception remains<br>Buyer Comment (2026-02-17): VOE<br>Buyer Comment (2026-02-17): Lender's rebuttal: Please clarify which guideline you are quoting. Per section 6.4 tax returns not required for a wage earner, we are only required to provide two years of W-2's and pay stubs. application date was [Redacted] We provided [Redacted] and [Redacted] W-2s and WVOE with YTD for [Redacted] which meets the guidelines | 02/25/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 10228350 | [Redact] |  | 36486595 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Require updated Hazard Insurance document for subject property with address reflecting as "[Redacted]" as in the current Hazard Insurance document the address reflects as "[Redacted]" |  |  |  | Reviewer Comment (2026-02-24): Revised HOI policy with updated address received. Exception cleared<br>Buyer Comment (2026-02-24): updated dec page | 02/24/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 10228350 | [Redact] |  | 36486597 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2026-02-17): Acknowledged non material EV2<br>Reviewer Comment (2026-02-13): Received Appraisal report with report date as [Redacted] and delivery instruction as of the Note date. Appraisal report date is [Redacted] which is within 3 day of the note date [Redacted]. Provide Prior appraisal report which is more than 3 days prior to the note date along with delivery instructions. Exception remains<br>Buyer Comment (2026-02-13): Appraisal delivery letter to borrower |  |  | 02/17/2026 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 10228350 | [Redact] |  | 36486599 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-03): Sufficient Cure Provided At Closing |  | 02/03/2026 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 10228350 | [Redact] |  | 36486600 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | Previous current address is[Redacted]-per 1003 rent free. LOE missing in file |  |  |  | Reviewer Comment (2026-02-25): Received Updated final 1003 with previous address corrected and Lease agreement with rental payment history for [Redacted] months. current housing history verified for [Redacted] months which meets the guide requirement for [Redacted] months history. Exception cleared.<br>Buyer Comment (2026-02-25): I have provided a corrected 1003 showing the address as [Redacted] [Redact], further please consider the [Redacted] month rental history we provided as satisfactory. This is for a rate and turn and you more than a [Redacted] month living history, you have [Redacted] month mortgage history for the subject and the [Redacted] rental history we provided. Asking us to go back for another [Redacted] months of rental history seems to be unnecessary. Thanks so much<br>Buyer Comment (2026-02-25): [Redacted] -[Redacted] IRS transcripts<br>Reviewer Comment (2026-02-23): Received Lease agreement and pay history from [Redacted] - [Redacted] for [Redacted] months. Secondly address of the property leases reflects as [Redacted] and Final 1003 reflects as [Redacted]. Provide lease agreement for the property rented along with verification of rent for [Redacted] complete months. Exception remains<br>Buyer Comment (2026-02-20): 1003<br>Buyer Comment (2026-02-20): LOX<br>Buyer Comment (2026-02-20): Lender's comments: Borrower was contacted in reference to prior address [Redacted], he confirmed that he was not living rent free, we have provided an email from him and updated 1003. He only have access to the signed extension of the lease and he provided snap shot of the payment history that was still available to him | 02/25/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 10228371 | [Redact] |  | 36486602 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated Qualifying Rental income is different than Lender qualifying Rental income as per final 1003 and 1008 for REO properties [Redacted] & [Redacted] due to this variance in Rental Income there is variance in DTI and there is a DTI breach of more than [Redacted]% due to rental income variance details as given below :-<br> 1. Lender Qualifying DTI is [Redacted]% as per 1008 however, clarity is reflecting DTI as [Redacted]%<br> 2. [Redacted] - Lender has considered Rental income as $-[Redacted] and Calculated Income is = $-[Redacted] - Lender has considered Mortgage Interest as $[Redacted] however as per Schedule E Part-I document Mortgage Interest is reflecting as $[Redacted] due to which there is variance in rental Income.<br> 3. [Redacted] - Lender has considered Rental income as $-[Redacted] and Calculated Income is = $-[Redacted] - Lender has considered Total expenses as $[Redacted] however as per Schedule E Part-I document total expenses are $[Redacted] due to which there is variance in rental income. |  |  |  | Reviewer Comment (2026-02-25): 1003 and 1008 is provided with updated REO income also, updated UW provided for REO property [Redacted] (only considered [Redacted] year income for calculation). Exception Cleared<br>Buyer Comment (2026-02-24): 1003 / 1008<br>Buyer Comment (2026-02-24): Schedule E<br>Reviewer Comment (2026-02-20): Noted. Provided 1003 & 1008 does not match the income and DTI ratio of [Redacted]% as per doc [Redacted] also, required revised Schedule E analysis. Exception remains<br>Buyer Comment (2026-02-19): per lender : [Redacted] follows FNMA for rental income so only one year 1040s required; updated 1008 and 1003 in file as well as revised Sch E Analysis - under Internal - DTI is [Redacted]% | 02/25/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 10228355 | [Redact] |  | 36486610 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: HOA dues not provided. |  | Lender considered HOA dues as $[Redacted]/month, however no supporting document received for this amount. As per 1004, HOA is $[Redacted]/month. Need HOA doc supporting HOA dues as $[Redacted]/month. Credit related. |  |  |  | Reviewer Comment (2026-02-24): 1004 Noted Recreation Due of [Redacted] monthly apart from $[Redacted]/monthly HOA. Variance is $[Redacted]/monthly within tolerance limit. Exception Cleared<br>Buyer Comment (2026-02-20): From seller- It appears the HOA dues were overstated by $[Redacted], resulting in the $[Redacted] total. The appraisal text addendum on page [Redacted] shows a $[Redacted] monthly Recreation Fee in addition to the $[Redacted] quarterly HOA dues, for a combined total of $[Redacted]. Please let me know if any documentation needs to be corrected. | 02/24/2026 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10228372 | [Redact] |  | 36486617 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | As per guidelines Borrowers with no mortgage/rental history due to a residence scenario requiring no mortgage payments are eligible with a satisfactory letter of explanation. Primary property [Redacted] is free and clear. Letter of explanation required. Credit Related. |  |  |  | Reviewer Comment (2026-02-26): Guideline does not require LOX for paid off properties.<br>Buyer Comment (2026-02-25): Lender's rebuttal: Request a Re-review: The guideline is intended for borrowers who live rent free, not for when they own their primary free and clear. Borrowers have [Redacted] mortgage tradelines reporting - all current, for their additional REO. This more than meets guidelines for mortgage history. Please Advise | 02/26/2026 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10228373 | [Redact] |  | 36486629 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal was sent to the borrower [Redacted] but we are missing evidence the borrower received it within 3 days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2026-02-25): Acknowledged non material EV2<br>Reviewer Comment (2026-02-25): Received delivery instructions for [Redacted]. However provided Appraisal report date is [Redacted] which is within[Redacted] day of the note date [Redacted]. Provide Prior appraisal report which is more than [Redacted] days prior to the note date along with delivery instructions. Exception remains.<br>Buyer Comment (2026-02-24): Appraisal delivery |  |  | 02/25/2026 | 2 B |  | [Redact] | Investment | Purchase | B A | N/A | N/A | No |
| [Redact] | 10228356 | [Redact] |  | 36486640 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Require updated Hazard Insurance binder, Replacement Cost Estimator document and Tax Certificate document for Subject property with Address as "[Redacted]" The provided tax certificate, hazard insurance binder, and Replacement Cost Estimator show address as "[Redacted]" The note and other documents show address as "[Redacted]" |  |  |  | Reviewer Comment (2026-03-03): Cleared. LOX provided.<br>Buyer Comment (2026-03-03): [Redacted] is ok with the Letter from the planning committee, may we ask you to clear<br> , email confirmation sent<br>Reviewer Comment (2026-03-03): Received hazard insurance policy and Replacement Cost Estimator with updated address. However Tax cert with updated address is still pending. Exception remains.<br>Buyer Comment (2026-02-27): insurance documents with address change<br>Reviewer Comment (2026-02-26): Require copy of Hazard Insurance binder, Replacement Cost Estimator document and Tax Certificate document for Subject property with Address as "[Redacted]." Exception remains<br>Buyer Comment (2026-02-25): email from county confirming address change has been updated in the county system | 03/03/2026 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10228356 | [Redact] |  | 36486642 |  | Credit | Credit | Credit Documentation | Credit | No Housing History or Less Than [Redacted] Months Verified. [Redacted] Months reserves required per guidelines. Review data and set applicable exception. |  | Require Letter of explanation for free and clear property, primary residence [Redacted] is owned free and clear. Per guidelines, borrowers with no mortgage/rental history due to a residence scenario requiring no mortgage or rental payments are eligible with a satisfactory letter of explanation. |  |  |  | Reviewer Comment (2026-02-20): Satisfactory letter of explanation is provided. Exception Cleared<br>Buyer Comment (2026-02-19): Letter of explanation | 02/20/2026 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10228377 | [Redact] |  | 36486647 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis fees was disclosed as $[Redacted] on Initial CD and $[Redacted] on Final CD. No Evidence of cure and no valid COC provided in file. |  |  |  | Reviewer Comment (2026-03-06): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-03-04): Updated shipping status<br>Reviewer Comment (2026-03-02): [Redacted] received corrected PCCD, LOE, Copy of refund check and shipping label. However, [Redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2026-02-26): LOE, PCCD, refund check and shipping label |  | 03/06/2026 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 10228377 | [Redact] |  | 36486648 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was disclosed as $[Redacted] on Initial CD and $[Redacted] on Final CD. No Evidence of cure and no valid COC provided in file. |  |  |  | Reviewer Comment (2026-02-23): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) Transfer taxes were increased resulting in a cleared exception.<br>Buyer Comment (2026-02-19): Cured at closing. Difference due to rounding. | 02/23/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 10228377 | [Redact] |  | 36486650 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Cash to close is $[Redacted]. This is a POCB unable to ascertain how paid and insufficient liquid assets presents to cover, |  |  |  | Reviewer Comment (2026-03-03): The Hazard POCB was removed.<br>Buyer Comment (2026-02-27): removed Hazard POC<br>Reviewer Comment (2026-02-26): Provide evidence it was paid by prior lender. Policy renewed back in [Redacted]. [Redacted] months prior to subject closing. Or provide PCCD omitting the POCB for exclusion consideration.<br>Buyer Comment (2026-02-25): assets and mortgage statement<br>Buyer Comment (2026-02-25): per lender: Please note this is a refinance, the mentioned POC of $[Redacted] was for the borrowers hazard policy which was paid via escrow account which is documented on the Mtg statement in the file, therefore would have no impact on the documented assets we provided. We show documented assets of $[Redacted] which covers the required [Redacted] months PITI of $[Redacted] | 03/03/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10228376 | [Redact] |  | 36486652 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | For property [Redacted], unable to find document for Other Payment of $[Redacted] and tax verification doc is missing. Need tax verification and supporting document for other payment of $[Redacted]. Property tax not deducted in schedule E. |  |  |  | Reviewer Comment (2026-02-26): Tax certificate is provided reflecting payment of $[Redacted]. Exception cleared<br>Buyer Comment (2026-02-25): Taxes, HOI and VOM | 02/26/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10228376 | [Redact] |  | 36486654 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Loan Estimate and Closing Disclosure were issued on same day [Redacted]. CD was signed on [Redacted], LE was unsigned. Loan Estimate was received on or after the Closing Disclosure receipt. |  |  |  | Reviewer Comment (2026-03-02): [Redacted] received rebuttal and attestation suffice<br>Buyer Comment (2026-02-26): Please re-review - the CD was not esigned [Redacted], it is esigned [Redacted].Please also review the Trailing - Other docs - The Attestation provided explains the details provided on the doc magic activity. It also explains that there was no [Redacted] LE provided to the borrower. It was solely in file to generate initial CD figures. If the lender had issued both an LE and CD to the borrower on [Redacted], the doc magic activity would show both. Lender provided the activity as supporting documentation to their Attestation that only [Redacted] doc was generated and provided to the borrower which was the [Redacted] CD.<br>Reviewer Comment (2026-02-26): Unable to ascertain if the doc magic document provided as for the [Redacted] LE or CD. For the [Redacted] LE provided and not signed we are using mailbox receipt rule of [Redacted]. It should be noted the CD dated [Redacted] was e-signed [Redacted].<br>Buyer Comment (2026-02-25): [Redacted] activity showing only [Redacted] disclosure (initial pre-closing CD) generated by lender and sent to CD - see uploaded Attestation letter<br>Buyer Comment (2026-02-25): Lender Attestation | 03/02/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 10228376 | [Redact] |  | 36486655 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Loan Estimate and Closing Disclosure were issued on same day [Redacted]. CD was signed on [Redacted], LE was unsigned. Loan Estimate was received on or after the Closing Disclosure receipt. |  |  |  | Reviewer Comment (2026-03-02): [Redacted] received rebuttal and attestation suffice<br>Buyer Comment (2026-02-26): Please confirm that the attestation letter was reviewed It explains the [Redacted] document. Please review the letter and if still unclear, please further explain what is unable to be ascertained. - Please re-review - the CD was not esigned [Redacted], it is esigned [Redacted].Please also review the Trailing - Other docs - The Attestation provided explains the details provided on the [Redacted] activity. It also explains that there was no [Redacted] LE provided to the borrower. It was solely in file to generate initial CD figures. If the lender had issued both an LE and CD to the borrower on [Redacted], the [Redacted] activity would show both. Lender provided the activity as supporting documentation to their Attestation that only [Redacted] doc was generated by them and provided to the borrower which was the [Redacted] CD.\*\*<br>Reviewer Comment (2026-02-26): Unable to ascertain if the doc magic document provided as for the [Redacted] LE or CD. For the [Redacted] LE provided and not signed we are using mailbox receipt rule of [Redacted]. It should be noted the CD dated [Redacted] was e-signed [Redacted].<br>Buyer Comment (2026-02-25): LE and Electronic tracking - also see uploaded Attestation from lender | 03/02/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 10228354 | [Redact] |  | 36486657 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | [Redacted] funds from [Redacted] account #[Redacted] and #[Redacted] were used for qualification. Evidence of disbursement is required to use trust funds for closing. |  |  |  | Reviewer Comment (2026-03-09): Received the account statements.<br>Buyer Comment (2026-03-05): per lender: just got off the phone with the [Redacted]. The notes actually reference the account number the funds were pulled from and have been highlighted . It's from the [Redacted] with the account holder of [Redacted]<br>Reviewer Comment (2026-03-04): Received the Wire receipt dated [Redacted] confirming funds in the amount of $[Redacted] was transferred to the escrow account however originator account bank name reflects as [Redacted] and Company however the account #[Redacted] does not match with [Redacted] accounts statements provided. Therefore provide proper Evidence of disbursement of funds from [Redacted] account. Exception remains.<br>Buyer Comment (2026-03-02): Please see copy of the wire receipt in the file that matched the account number for the [Redacted] account<br>Reviewer Comment (2026-02-27): The accounts from [Redacted] were used to qualify. Evidence of disbursement from the [Redacted] accounts is required, the others have been documented.<br>Buyer Comment (2026-02-25): per lender: here is the source of the funds from #[Redacted]. One is history from the end of the last statement in file showing a large credit of $[Redacted] and the withdrawal of the cashier's check for closing. The other is the bank statement for #[Redacted] showing the $[Redacted] debit to source the funds in the other account.<br>Reviewer Comment (2026-02-16): Received Deposit received Confirm payment made from Borrower Account # [Redacted] however Other account # [Redacted] which does not disclosed in Final 1003 nor statement provided in the file. Exception Remains. Additionally Borrower made $[Redacted] payment from account # [Redacted] and available statement noted balance of $[Redacted]. Exception Remains<br>Buyer Comment (2026-02-13): funds to close | 03/09/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D A C | Non QM | Non QM | No |
| [Redact] | 10228354 | [Redact] |  | 36486658 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Provide corrected Purchase Agreement / Sales Contract with seller signature. |  |  |  | Reviewer Comment (2026-02-17): Contract provided<br>Buyer Comment (2026-02-13): per lender: Page [Redacted] is appropriately initialed on the bottom right by the sellers because they counter-offered. The counter-offer is page [Redacted] of the purchase agreement and is fully signed by all parties. I do not see any addendums that are not fully signed - please specify what is missing. | 02/17/2026 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D A C | Non QM | Non QM | No |
| [Redact] | 10228354 | [Redact] |  | 36486659 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Business funds are used for qualification there Provide signed letter from a CPA/Licensed Tax Preparer confirming Withdrawal of the funds will not negatively impact the business or cash-flow analysis (Fannie Mae Form 1084 or similar form) and Evidence to confirm the borrower's ownership in business. |  |  |  | Reviewer Comment (2026-02-25): Proof of sale provided. Cleared<br>Buyer Comment (2026-02-23): per lender: See purchase contract to see farm.<br>Reviewer Comment (2026-02-17): Provide proof business was sold.<br>Buyer Comment (2026-02-13): per lender: Business sold so there is no CPA letter to obtain. Borrower used their own funds. | 02/25/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D A C | Non QM | Non QM | No |
| [Redact] | 10228354 | [Redact] |  | 36486661 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR Failure. This exception will be cleared once all ATR specific Exceptions have been cured/Cleared. |  |  |  | Reviewer Comment (2026-03-09): Received the updated account statements.<br>Buyer Comment (2026-03-05): per lender: just got off the phone with the [Redacted]. The notes actually reference the account number the funds were pulled from and have been highlighted . It's from the [Redacted] Account with the account holder of [Redacted]<br>Reviewer Comment (2026-03-04): Received the Wire receipt dated [Redacted] confirming funds in the amount of $[Redacted] was transferred to the escrow account however originator account bank name reflects as [Redacted] and Company however the account #[Redacted] does not match with [Redacted] accounts statements provided. Therefore provide proper Evidence of disbursement of funds from [Redacted] account. Exception remains.<br>Buyer Comment (2026-03-02): Please see copy of the wire receipt in the file that matched the account number for the [Redacted]account<br>Reviewer Comment (2026-02-16): Received Deposit received Confirm payment made from Borrower Account # [Redacted] however Other account # [Redacted] which does not disclosed in Final 1003 nor statement provided in the file. Exception Remains. Additionally Borrower made $[Redacted] payment from account # [Redacted] and available statement noted balance of $[Redacted]. Exception Remains<br>Buyer Comment (2026-02-13): funds to close provided | 03/09/2026 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 10228354 | [Redact] |  | 36486662 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient Asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-02-25): Proof of sale provided. Cleared<br>Buyer Comment (2026-02-23): per lender: here is the source of the funds from #[Redacted]. One is history from the end of the last statement in file showing a large credit of $[Redacted] and the withdrawal of the cashier's check for closing. The other is the bank statement for #[Redacted] showing the $[Redacted] debit to source the funds in the other account.<br>Reviewer Comment (2026-02-16): Received Deposit received Confirm payment made from Borrower Account # [Redacted] however Other account # [Redacted] which does not disclosed in Final 1003 nor statement provided in the file. Exception Remains. Additionally Borrower made $[Redacted] payment from account # [Redacted] and available statement noted balance of $[Redacted]. Exception Remains<br>Buyer Comment (2026-02-13): funds to close provided | 02/25/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D A C | Non QM | Non QM | No |
| [Redact] | 10228375 | [Redact] |  | 36486667 |  | Compliance | Compliance | Federal Compliance | TILA | Federal LO Compensation Dual Compensation Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. | Processing fees paid to Broker were paid by borrower in Section B while the Originator Compensation was paid by lender in Section A. |  |  |  | Reviewer Comment (2026-03-10): Processing fees on Section B which was paid to broker is changed to third party as per the PCCD [Redacted]. The same is changed in Final CD and PCCD. Exception cleared.<br>Buyer Comment (2026-03-09): Final Settlement statement and PCCD | 03/10/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10228366 | [Redact] |  | 36486668 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Address on CDA is missing unit [Redacted] as per the title commitment and appraisal report. Provide corrected CDA with updated address. |  |  |  | Reviewer Comment (2026-03-13): Title e-mail copy is provided stating both the addresses are same. Exception Cleared<br>Buyer Comment (2026-03-12): email from title<br>Reviewer Comment (2026-03-11): Received Response Confirming both address is same, however provided email copy does not confirm it is received from the title company. it only noted email sent to to title for confirmation, however response received does not have sender and receiver information to confirm received the confirmation from subject title company. Exception Remains<br>Buyer Comment (2026-03-10): Email from title regarding unit on property address<br>Reviewer Comment (2026-03-06): Received Lender LOX, however Provide Updated Title Report confirm [Redacted] and [Redacted] is one the same. Exception Remains<br>Buyer Comment (2026-03-05): address affidavit | 03/13/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | D A | Non QM | Non QM | No |
| [Redact] | 10228366 | [Redact] |  | 36486671 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Title report, appraisal report and HOI policy reflects address as "[Redacted]," however note is missing the unit #. Provide corrected note with correct address. Lender to ensure all required documents match the correct property address. |  |  |  | Reviewer Comment (2026-03-13): Title e-mail copy is provided stating both the addresses are same. Exception Cleared<br>Buyer Comment (2026-03-12): email from title<br>Reviewer Comment (2026-03-11): Received Response Confirming both address is same, however provided email copy does not confirm it is received from the title company. it only noted email sent to to title for confirmation, however response received does not have sender and receiver information to confirm received the confirmation from subject title company. Exception Remains<br>Buyer Comment (2026-03-10): Email from title regarding unit on property address<br>Reviewer Comment (2026-03-06): Received Lender LOX, however Provide Updated Title Report confirm [Redacted] and [Redacted] is one the same. Exception Remains<br>Buyer Comment (2026-03-05): address affidavit | 03/13/2026 |  |  | 1 D A |  | [Redact] | Primary | Refinance - Rate/Term | D A | Non QM | Non QM | No |
| [Redact] | 10228366 | [Redact] |  | 36486672 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Title report, appraisal report and HOI policy reflects address as "[Redacted]," however security Instrument is missing the unit #. Provide corrected security instrument with updated address. Lender to ensure all required documents match the correct property address. |  |  |  | Reviewer Comment (2026-03-13): Title e-mail copy is provided stating both the addresses are same. Exception Cleared<br>Buyer Comment (2026-03-12): email from title<br>Reviewer Comment (2026-03-11): Received Response Confirming both address is same, however provided email copy does not confirm it is received from the title company. it only noted email sent to to title for confirmation, however response received does not have sender and receiver information to confirm received the confirmation from subject title company. Exception Remains<br>Buyer Comment (2026-03-10): Email from title regarding unit on property address<br>Reviewer Comment (2026-03-06): Received Lender LOX, however Provide Updated Title Report confirm [Redacted] and [Redacted] is one the same. Exception Remains<br>Buyer Comment (2026-03-05): address affidavit | 03/13/2026 |  |  | 1 D A |  | [Redact] | Primary | Refinance - Rate/Term | D A | Non QM | Non QM | No |
| [Redact] | 10228366 | [Redact] |  | 36486675 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Tolerance Violation for Transfer Tax With Sufficient Cure Provided At Closing |  |  |  | Reviewer Comment (2026-02-27): Sufficient Cure Provided At Closing |  | 02/27/2026 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 10228378 | [Redact] |  | 36486680 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Balance Sheets and P&L's provided were not signed as required. |  |  |  | Reviewer Comment (2026-03-12): Received signed P&L and Balance sheet. Exception Cleared<br>Buyer Comment (2026-03-10): Signed balance sheets and profit and loss statements | 03/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| [Redact] | 10228374 | [Redact] |  | 36486687 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was provided. Waiver not provided. |  |  |  | Buyer Comment (2026-03-06): Borrower acknowledged receipt at closing. Acknowledged as non-material EV2. |  |  | 03/06/2026 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 10228381 | [Redact] |  | 36486691 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Require Fraud Report as it is missing in file. |  |  |  | Reviewer Comment (2026-03-12): Fraud report received for both borrowers. Exception cleared.<br>Buyer Comment (2026-03-11): Fraud | 03/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 10228381 | [Redact] |  | 36486692 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | As per guidelines [Redacted] months bank statement are required and only [Redacted] month was provided from [Redacted] to [Redacted], Provide an additional [Redacted] month bank statement for [Redacted] #[Redacted]. |  |  |  | Reviewer Comment (2026-03-16): Received bank statement for [Redacted]. Meets guide requirement of [Redacted] months bank statement. Exception cleared.<br>Buyer Comment (2026-03-13): [Redacted] bank statement<br>Reviewer Comment (2026-03-12): Received bank statement for [Redacted] which was already provided before. Provide complete [Redacted] month bank statement for the month of [Redacted] for the account with [Redacted] #[Redacted]. Exception remains.<br>Buyer Comment (2026-03-11): [Redacted] Statement | 03/16/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 10228381 | [Redact] |  | 36486693 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Require Fraud report as it is missing in file. |  |  |  | Reviewer Comment (2026-03-12): Fraud report received for both borrowers. Exception cleared.<br>Buyer Comment (2026-03-11): was uploaded<br>Buyer Comment (2026-03-11): Fraud | 03/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 10228381 | [Redact] |  | 36486694 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | Require Rider - 1-4 Family as it is not provided in file. |  |  |  | Reviewer Comment (2026-03-12): Received Rider - 1-4 Family. Exception cleared.<br>Buyer Comment (2026-03-11): Rider | 03/12/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 10228367 | [Redact] |  | 36486704 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | EV2 informational |  |  |  | Buyer Comment (2026-03-17): Acknowledged non-material EV2 |  |  | 03/17/2026 | 2 B |  | [Redact] | Second Home | Purchase | Good Faith Redisclosure B A | Non QM | Non QM | Yes |
| [Redact] | 10228363 | [Redact] |  | 36486706 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Appraisal lender transfer letter from [Redacted] is missing in file. |  |  |  | Reviewer Comment (2026-02-12): [Redacted] and [Redacted] are one and the same company. Exception Cleared<br>Buyer Comment (2026-02-11): per lender: [Redacted] and [Redacted] are one and the same company. | 02/12/2026 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10228363 | [Redact] |  | 36486707 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Require most recent two consecutive months banks statements from [Redacted], account #[Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted]% DTI with program max of [Redacted]%. [Redacted]% LTV with program max of [Redacted]%. [Redacted] FICO with program minimum of [Redacted]. [Redacted] months reserves with program max of [Redacted]. [Redacted]% equity position, $[Redacted] in other real estate owned. | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2026-02-12): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2026-02-12): Exception from [Redacted]. Please downgrade and waive. |  |  | 02/12/2026 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10228363 | [Redact] |  | 36486709 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Required supporting document for following REO properties:-<br> [Redacted] (Other Payments of $[Redacted])<br> [Redacted] (Other Payments of $[Redacted])<br> [Redacted] (Other Payments of $[Redacted])<br> [Redacted] (Other Payment of $[Redacted]) |  |  |  | Reviewer Comment (2026-02-20): Received updated 1008. Exception Cleared<br>Buyer Comment (2026-02-19): 1008<br>Reviewer Comment (2026-02-18): Noted. Required updated 1008 with correct monthly payments and DTI ratio. Exception remains<br>Buyer Comment (2026-02-17): revised 1003.<br>Reviewer Comment (2026-02-13): Received updated 1003, however for still missing Evidence of Other payment of $[Redacted] for REO [Redacted] as updated 1003 still noted other payment of $[Redacted]. Exception Remains<br>Buyer Comment (2026-02-11): LOE and revised 1003 | 02/20/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10228363 | [Redact] |  | 36486710 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | REO Property [Redacted] shown in 1003 with same loan number and P&I details with different address, [Redacted]. Also, fraud report reflects [Redacted] is owned by [Redacted]. Lender to review and confirm if [Redacted] is owned by borrower also confirm ownership status of property [Redacted], and determine if both the properties are same or not.<br> - Required Tax Verification & Insurance Verification for REO property [Redacted]. |  |  |  | Reviewer Comment (2026-02-13): Received updated 1003 Received with Correction PITIA. Exception Cleared<br>Buyer Comment (2026-02-11): attached corrected 1003. [Redacted] was a typo and this property is non-existent. 1003 attached correcting it to [Redacted]. | 02/13/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10228363 | [Redact] |  | 36486711 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Required Insurance Verification for REO properties [Redacted] & [Redacted]. |  |  |  | Reviewer Comment (2026-02-13): Received updated 1003 Received with Correction PITIA. Exception Cleared<br>Buyer Comment (2026-02-11): LOE and 1003 | 02/13/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10228363 | [Redact] |  | 36486712 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-02-12): Investor accepts assets of < 2 months. and agrees to waive with compensating factors. | 02/12/2026 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [Redact] | 10228363 | [Redact] |  | 36486713 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-02-12): Investor accepts assets of < 2 months. and agrees to waive with compensating factors. | 02/12/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 10228365 | [Redact] |  | 36486720 |  | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Consumer Credit Code (First Lien Refinance Notice Not Provided) | [Redacted] Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  |  |  | Reviewer Comment (2026-03-06): Rate and term refinance.<br>Buyer Comment (2026-03-04): Please Re-review - The requested form is only required when the refinance includes additional funds. This loan was a Rate Term Refinance. | 03/06/2026 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 10228365 | [Redact] |  | 36486721 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  | Reviewer Comment (2026-03-05): [Redacted] received earliest e-consent.<br>Buyer Comment (2026-03-04): Econsent tracking<br>Buyer Comment (2026-03-04): Esign consent | 03/05/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 10228365 | [Redact] |  | 36486722 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Market Value of the subject property is declining, the maximum LTV/H/CLTV is restricted to lesser of the maximum LTV/H/CLTVs allowed by the program guides or [Redacted]%. Lender exception ([Redacted]) is available with compensating factor. Lender to confirm. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves with program minimum of [Redacted] months. [Redacted] FICO with program minimum of [Redacted]. Appraisal report reflects demand/supply-shortage and marketing time - under [Redacted] months. [Redacted] NonQM v6 will permit a max LTV of [Redacted]% for properties located in a declining market. | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2026-03-03): Exception provided.<br>Buyer Comment (2026-03-03): Lender approved exception already in file. [Redacted] exception approval for LTV [Redacted]% for property located in a declining market. |  |  | 03/03/2026 | 2 C B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 10228365 | [Redact] |  | 36486723 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Market Value of the subject property is declining, the maximum LTV/H/CLTV is restricted to lesser of the maximum LTV/H/CLTVs allowed by the program guides or [Redacted]%. Lender exception ([Redacted]) is available with compensating factor. Lender to confirm. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves with program minimum of [Redacted] months. [Redacted] FICO with program minimum of [Redacted]. Appraisal report reflects demand/supply-shortage and marketing time - under [Redacted] months. [Redacted] NonQM v6 will permit a max LTV of [Redacted]% for properties located in a declining market. | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2026-03-03): Exception provided.<br>Buyer Comment (2026-03-03): Lender approved exception already in file. [Redacted] exception approval for LTV [Redacted]% for property located in a declining market. |  |  | 03/03/2026 | 2 C B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9768888 | [Redact] |  | 36504601 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing approval or final 1008 |  |  |  | Reviewer Comment (2025-10-28): 1008 provided<br>Buyer Comment (2025-10-22): Providing 1008. | 10/28/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A B | Non QM | Non QM | No |
| [Redact] | 9768888 | [Redact] |  | 36504603 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence of receipt of Appraisal report dated [Redacted]. |  |  |  | Reviewer Comment (2025-10-28): Appraisal delivery notification provided<br>Buyer Comment (2025-10-24): Providing add'l delivery documentation.<br>Buyer Comment (2025-10-23): Providing appraisal delivery. | 10/28/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C A B | Non QM | Non QM | No |
| [Redact] | 10179373 | [Redact] |  | 36582279 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2026-03-18): E-sign consent received and captured in file; Exception cleared.<br>Buyer Comment (2026-03-17): Uploaded | 03/18/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 10179373 | [Redact] |  | 36582281 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal dated [Redacted] is missing evidence of receipt, 3 business days prior to closing |  |  |  | Reviewer Comment (2026-03-17): Appraisal disclosure signed and dates at closing received in file; Exception cleared.<br>Buyer Comment (2026-03-16): Acknowledgment of Receipt of Appraisal Report disclosure in file signed on [Redacted] confirmed borrower received appraisal and other valuations no later than 3-days prior to consummation. | 03/17/2026 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 10179373 | [Redact] |  | 36582283 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Initial Closing Disclosure is dated [Redacted]. |  |  |  | Reviewer Comment (2026-03-18): [Redacted] received [Redacted] Initial CD, 3 business days prior to the consummation.<br>Buyer Comment (2026-03-17): Uploaded | 03/18/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 10179373 | [Redact] |  | 36582284 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. |  |  |  | Reviewer Comment (2026-03-18): H-9 form received and captured in file; Exception cleared.<br>Buyer Comment (2026-03-17): Uploaded | 03/18/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | No |
| [Redact] | 10179373 | [Redact] |  | 36582285 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Reviewer Comment (2026-03-18): H-9 form received and captured in file; Exception cleared.<br>Buyer Comment (2026-03-17): Corrected H-9 form was also provided. | 03/18/2026 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | No |

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## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.2 - Schedule 2**

![](ex99_001.jpg)

**Rating Agency Grades**

**Run Date - 6/17/2026 2:00:07 PM**

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| [Redact] | 9499045 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9610723 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9804815 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9807839 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9809642 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9855427 | [Redact] | [Redact] |  | B |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9856877 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9896621 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9917635 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9953386 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9956980 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9977657 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9983757 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10007066 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10008086 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10008083 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10066001 | [Redact] | [Redact] |  | B |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10065994 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10085114 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10085146 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10085148 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10088799 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10090025 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091987 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10097943 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10097942 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10100146 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10103315 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10103318 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10104178 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10104523 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10106091 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10106114 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10107044 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10107141 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10109700 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10111715 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10111716 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10111722 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10139382 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10143548 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10143552 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10143567 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10145878 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10146541 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10146543 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10146816 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10146815 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10148129 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10148921 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10148922 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10150171 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10150314 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10150315 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10151253 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10151821 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10151822 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10151823 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10153407 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10153410 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10153430 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10153702 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10153701 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10153706 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10153992 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10154003 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10154397 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10154398 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10154998 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10154999 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10155281 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10155400 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10155403 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10155845 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10155840 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10155844 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10155839 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10155838 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10155871 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10155875 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10106413 | [Redact] |  |  | 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 |  |
| [Redact] | 10106415 | [Redact] |  |  | 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 |  |
| [Redact] | 10106424 | [Redact] |  |  | 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 |  |
| [Redact] | 10106431 | [Redact] |  |  | 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 |  |
| [Redact] | 10106432 | [Redact] |  |  | D |  | N/A | N/A | N/A | N/A | N/A | D | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 10106443 | [Redact] |  |  | 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 |  |
| [Redact] | 10106465 | [Redact] |  |  | 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 |  |
| [Redact] | 10106475 | [Redact] |  |  | 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 |  |
| [Redact] | 10106490 | [Redact] |  |  | D |  | N/A | N/A | N/A | N/A | N/A | D | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 10106503 | [Redact] |  |  | 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 |  |
| [Redact] | 10106546 | [Redact] |  |  | 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 |  |
| [Redact] | 10106555 | [Redact] |  |  | 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 |  |
| [Redact] | 10106558 | [Redact] |  |  | 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 |  |
| [Redact] | 10106575 | [Redact] |  |  | 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 |  |
| [Redact] | 10106576 | [Redact] |  |  | 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 |  |
| [Redact] | 10106601 | [Redact] |  |  | 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 |  |
| [Redact] | 10106602 | [Redact] |  |  | 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 |  |
| [Redact] | 10106673 | [Redact] |  |  | 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 |  |
| [Redact] | 10106722 | [Redact] |  |  | 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 |  |
| [Redact] | 10106723 | [Redact] |  |  | 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 |  |
| [Redact] | 10106727 | [Redact] |  |  | 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 |  |
| [Redact] | 10106797 | [Redact] |  |  | 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 |  |
| [Redact] | 10106929 | [Redact] |  |  | 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 |  |
| [Redact] | 10156391 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10156748 | [Redact] | [Redact] |  | D |  | B | B | B | B | B | A | D | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10156749 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10156750 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10156754 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10156756 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10156765 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10156760 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10156762 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10156769 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10156758 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10157972 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10157962 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10157978 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10157970 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10157980 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10157987 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10158210 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10158206 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10158208 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10158966 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10158967 | [Redact] | [Redact] |  | C |  | D | D | D | D | D | A | D | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10159001 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10159066 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10159104 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10159116 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10159120 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10159117 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10159126 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10159381 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10159965 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10091790 | [Redact] |  |  | C |  | C | C | C | C | C | C | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10160384 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10160385 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10160523 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10160529 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10160531 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10160528 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10160535 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10161411 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10161412 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10161413 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10161447 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10162235 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10163288 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10163294 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10175678 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10176999 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10177699 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10177791 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10177793 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10177794 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10177963 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10177965 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10177967 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10177973 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10177966 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10179060 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10179050 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10179103 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10179246 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10179247 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10179651 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10179682 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10026751 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 10106013 | [Redact] |  |  | C D |  |  |  |  |  |  | A | C D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| [Redact] | 10179785 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10179834 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10180511 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10181342 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10181481 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10181477 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10181482 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10181525 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10194340 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10194334 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10194341 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10194605 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10194985 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10195792 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10195789 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10195786 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10196514 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10196856 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10196901 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10196903 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10198794 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10198798 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10200228 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10200291 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10200290 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10201305 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10201298 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10201340 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10202571 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10206521 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10206555 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10207043 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10217186 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10217620 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9984615 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10139385 | [Redact] |  |  | D |  | A | A | A | A | A | A | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10151252 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10155277 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10176708 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10202442 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10106046 | [Redact] |  |  | D |  |  |  |  |  |  | A | D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| [Redact] | 9979611 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 10153951 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10213385 | [Redact] |  |  | D |  | C | C | C | C | C | A | D | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10201294 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10155332 | [Redact] |  |  | 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 |  |
| [Redact] | 10155335 | [Redact] |  |  | 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 |  |
| [Redact] | 10155362 | [Redact] |  |  | 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 |  |
| [Redact] | 10155350 | [Redact] |  |  | 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 |  |
| [Redact] | 10179399 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10179317 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10179404 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10179506 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228343 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228348 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10228349 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228347 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228345 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10228350 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10228371 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228355 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228364 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228372 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228373 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10228356 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228377 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10228376 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228354 | [Redact] |  |  | D |  | C | C | C | C | C | A | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228375 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228366 | [Redact] |  |  | D |  | D | D | D | D | D | A | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228378 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228362 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228374 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10228381 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228387 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228388 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10228367 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10228363 | [Redact] |  |  | C |  | C | C | C | C | C | B | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10228365 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9768888 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10179497 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10179373 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |

---

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.2 - Schedule 3**

![](ex99_001.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 6/17/2026 2:00:53 PM** 

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| [Redact] | 9499045 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 24.815 | 29.39118 | Verified | 1008 DTI 29.391% |
| [Redact] | 9499045 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9804815 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9809642 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9855427 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9855427 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9896621 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9896621 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 40.94 | 37.42651 | Verified | 1008 DTI 37.426% |
| [Redact] | 9917635 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9917635 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9917635 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9917635 | [Redact] |  | [Redact] | Original CLTV | 25.854 | 18.34897 | Verified | Unable to verify due to missing information |
| [Redact] | 9917635 | [Redact] |  | [Redact] | Prepayment Penalty Period (months) | 1000 | 36 | Verified | Unable to verify due to missing information |
| [Redact] | 9956980 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9977657 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9977657 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9983757 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10007066 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10007066 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10007066 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10007066 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 10007066 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 43.96 | 47.63632 | Verified | DU DTI 47.64% |
| [Redact] | 10008086 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10008083 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10066001 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10066001 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10065994 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10065994 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10085114 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10085146 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10085146 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10085146 | [Redact] |  | [Redact] | Original CLTV | 46.667 | 44.44444 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
| [Redact] | 10085148 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10088799 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10090025 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10090025 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 10091987 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10091987 | [Redact] |  | [Redact] | Representative FICO | 688 | 689 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10097943 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10097943 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10097943 | [Redact] |  | [Redact] | Representative FICO | 787 | 773 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10097943 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 10097942 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10097942 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10097942 | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10097942 | [Redact] |  | [Redact] | Representative FICO | 760 | 775 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10097942 | [Redact] |  | [Redact] | Original CLTV | 67.648 | 63.88889 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 10097942 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10100146 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10103315 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10103318 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10104178 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10104523 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10104523 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10106091 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10106091 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10106091 | [Redact] |  | [Redact] | State | [Redact] | [Redact] | Verified | Field Value reflects State per Security Instrument |
| [Redact] | 10106091 | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10106091 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10106091 | [Redact] |  | [Redact] | Original CLTV | 75 | 61.70886 | Verified | Alternate format, not a true discrepancy |
| [Redact] | 10106091 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Unable to verify due to missing information |
| [Redact] | 10106114 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10107044 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10107141 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10107141 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 18.087 | 42.69891 | Verified | 1008 DTI 42.697% |
| [Redact] | 10109700 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10109700 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10111715 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10111715 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10111715 | [Redact] |  | [Redact] | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 10111716 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10111716 | [Redact] |  | [Redact] | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10111722 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10139382 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10139382 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10139382 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10139382 | [Redact] |  | [Redact] | Doc Type | 12mo Bank Statement | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 10139382 | [Redact] |  | [Redact] | Original CLTV | 68.588 | 64.98559 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10143548 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10143552 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10143567 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10145878 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10145878 | [Redact] |  | [Redact] | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10146541 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10146541 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10146543 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10146543 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10146543 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10146543 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10146543 | [Redact] |  | [Redact] | Original CLTV | 71.685 | 70 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
| [Redact] | 10146816 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10146816 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10146816 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10146816 | [Redact] |  | [Redact] | Original CLTV | 75 | 73.04965 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
| [Redact] | 10146816 | [Redact] |  | [Redact] | Prepayment Penalty Period (months) | 1000 | 24 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 10146816 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10146815 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10148129 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10148129 | [Redact] |  | [Redact] | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10148921 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10148921 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10148922 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10148922 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10150171 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10150171 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10150171 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | Asset Depletion | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 10150171 | [Redact] |  | [Redact] | Original CLTV | 72.36 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 10150171 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35 | 40.56651 | Verified | 1008 DTI 41.132% |
| [Redact] | 10150314 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10150314 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10150314 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10150314 | [Redact] |  | [Redact] | Original CLTV | 80 | 75 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
| [Redact] | 10150315 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10150315 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10151253 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10151253 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10151821 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10151821 | [Redact] |  | [Redact] | Original CLTV | 75 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10151822 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10153407 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10153410 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10153410 | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10153430 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10153702 | [Redact] |  | [Redact] | Property Type | PUD | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10153701 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10154003 | [Redact] |  | [Redact] | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10154397 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10154398 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10154398 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10154998 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10154999 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | Asset Depletion | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 10155400 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10155400 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10155403 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 2.87 | 9.61735 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 10155403 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 10155845 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10155845 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 21.981 | 26.04825 | Verified | 1008 DTI 26.048% |
| [Redact] | 10106413 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10106413 | [Redact] |  |  | Representative FICO | 720 | 776 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10106413 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106415 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106415 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10106415 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 10106415 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.27 | 1.29 | Verified | Field value reflects source document |
| [Redact] | 10106424 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106424 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10106424 | [Redact] |  |  | Representative FICO | 756 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| [Redact] | 10106424 | [Redact] |  |  | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10106424 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106431 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106431 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10106431 | [Redact] |  |  | First Payment Date | [Redact] | [Redact] | Verified | Field Value reflects First Payment Date per the Note |
| [Redact] | 10106431 | [Redact] |  |  | Representative FICO | 720 | 704 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10106431 | [Redact] |  |  | Contract Sales Price | [Redact] | [Redact] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redact] | 10106432 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106432 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10106443 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106443 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10106443 | [Redact] |  |  | Representative FICO | 773 | 686 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10106443 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106465 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106465 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10106465 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106475 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106475 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10106475 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106490 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106490 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10106490 | [Redact] |  |  | Representative FICO | 740 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10106503 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106503 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10106503 | [Redact] |  |  | Representative FICO | 747 | 749 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10106503 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106503 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 10106546 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106546 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10106546 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106546 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 10106546 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 10106546 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.37 | 1.51 | Verified | Field value reflects source document |
| [Redact] | 10106555 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10106555 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106555 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 10106555 | [Redact] |  |  | Contract Sales Price | [Redact] | [Redact] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redact] | 10106555 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 10106558 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10106558 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106558 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 10106558 | [Redact] |  |  | Contract Sales Price | [Redact] | [Redact] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redact] | 10106558 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 10106575 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106575 | [Redact] |  |  | First Payment Date | [Redact] | [Redact] | Verified | Field Value reflects First Payment Date per the Note |
| [Redact] | 10106575 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Unable to verify due to missing information |
| [Redact] | 10106575 | [Redact] |  |  | Maturity Date | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 10106575 | [Redact] |  |  | Contract Sales Price | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 10106575 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 10106576 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106576 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10106576 | [Redact] |  |  | Representative FICO | 780 | 781 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10106576 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106576 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 10106576 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.24 | 1.54 | Verified | Field value reflects source document |
| [Redact] | 10106601 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106601 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10106601 | [Redact] |  |  | Contract Sales Price | [Redact] | [Redact] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redact] | 10106601 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 10106602 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106602 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10106602 | [Redact] |  |  | Contract Sales Price | [Redact] | [Redact] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redact] | 10106602 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 10106673 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106673 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10106673 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106722 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106722 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10106722 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106723 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106723 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10106723 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106727 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106727 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10106727 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106797 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10106797 | [Redact] |  |  | Property Type | Single Family Detached | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10106797 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 10106797 | [Redact] |  |  | Contract Sales Price | [Redact] | [Redact] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redact] | 10106797 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 10106929 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10106929 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10106929 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 10156391 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10156748 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10156749 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10156750 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10156750 | [Redact] |  | [Redact] | Original CLTV | 56.067 | 65.3 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10156756 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 40.62 | 46.96802 | Verified | 1008 DTI 46.968% |
| [Redact] | 10156765 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10156769 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10156769 | [Redact] |  | [Redact] | Representative FICO | 761 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10156769 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10157972 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10157962 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10157962 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10157978 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10157978 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10157978 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 30.336 | 23.08889 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 10157970 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10157970 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10157970 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 40.163 | 48.03346 | Verified | 1008 DTI 49.565% |
| [Redact] | 10158210 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10158210 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 44.989 | 7.77955 | Verified | Revised 1008 DTI 7.773% |
| [Redact] | 10158966 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10158966 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 10158966 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 33.86 | 43.11154 | Verified | 1008 DTI 43.108% |
| [Redact] | 10159001 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10159001 | [Redact] |  | [Redact] | Representative FICO | 728 | 774 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10159001 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10159066 | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10159066 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10159066 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 23.36 | 26.99589 | Verified | 1008 DTI 26.995% |
| [Redact] | 10159120 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10159126 | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10159126 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10159381 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10159381 | [Redact] |  | [Redact] | Original CLTV | 66.67 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 10159381 | [Redact] |  | [Redact] | Prepayment Penalty Period (months) | 1000 | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 10159965 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10091790 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091790 | [Redact] |  |  | Original CLTV | 38.27 | 39.46667 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 10091790 | [Redact] |  |  | Original LTV | 38.27 | 39.46667 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 10160385 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10160385 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10160385 | [Redact] |  | [Redact] | Representative FICO | 770 | 756 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10160385 | [Redact] |  | [Redact] | Property Type | 2 Family | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10160385 | [Redact] |  | [Redact] | Original CLTV | 70 | 18.11612 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
| [Redact] | 10160385 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10160523 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10160523 | [Redact] |  | [Redact] | Original CLTV | 76 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10160523 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 45.51 | 31.49285 | Verified | 1008 DTI 32.057% |
| [Redact] | 10160531 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10160531 | [Redact] |  | [Redact] | Original CLTV | 53.88 | 52.32487 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 10160531 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10160535 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10161412 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10161412 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10161412 | [Redact] |  | [Redact] | Original CLTV | 61.953 | 68.14732 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
| [Redact] | 10161413 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10161413 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10161413 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10161413 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10162235 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10162235 | [Redact] |  | [Redact] | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10162235 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10163288 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10163288 | [Redact] |  | [Redact] | Original CLTV | 75 | 71.26437 | Verified | Alternate format, not a true discrepancy |
| [Redact] | 10163288 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10163294 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 23.203 | 48.41026 | Verified | 1008 DTI 48.410% |
| [Redact] | 10175678 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10175678 | [Redact] |  | [Redact] | Representative FICO | 760 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10177699 | [Redact] |  | [Redact] | Original CLTV | 70 | 68.98917 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10177699 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 29.537 | 32.71726 | Verified | 1008 DTI 32.397% |
| [Redact] | 10177791 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10177794 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 10177794 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 15.11 | 18.38203 | Verified | DTI 1008 18.379% |
| [Redact] | 10177963 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 10177973 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10179060 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10179050 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10179050 | [Redact] |  | [Redact] | Original CLTV | 55 | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10179050 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 14.962 | 30.34272 | Verified | 1008 DTI 30.161% |
| [Redact] | 10179050 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10179246 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10179247 | [Redact] |  | [Redact] | Representative FICO | 697 | 715 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10179247 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35.579 | 32.50056 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 10179834 | [Redact] |  | [Redact] | Representative FICO | 712 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10181342 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10181342 | [Redact] |  | [Redact] | Representative FICO | 797 | 803 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10181342 | [Redact] |  | [Redact] | Original CLTV | 66.517 | 64.83516 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10181342 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 17.68 | 33.83875 | Verified | 1008 DTI 33.16% |
| [Redact] | 10181481 | [Redact] |  | [Redact] | Original CLTV | 54.091 | 51.9084 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10181477 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10181482 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10181525 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 9.357 | 14.75174 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 10194340 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Site Condo | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10194334 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 44.346 | 38.04119 | Verified | 1008 DTI 39.121% |
| [Redact] | 10194985 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 10195792 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10195792 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 32.688 | 27.1509 | Verified | DTI 1008 26.340% |
| [Redact] | 10195789 | [Redact] |  | [Redact] | Original CLTV | 49.71 | 56.81818 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10196514 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10196514 | [Redact] |  | [Redact] | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| [Redact] | 10196856 | [Redact] |  | [Redact] | Representative FICO | 759 | 763 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10196901 | [Redact] |  | [Redact] | Representative FICO | 785 | 781 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10196903 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10196903 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 10198794 | [Redact] |  | [Redact] | Representative FICO | 717 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10200228 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 10200228 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 32.735 | 27.95069 | Verified | Lender did not included non-occupant borrower's primary residence PITIA in the DTI |
| [Redact] | 10200290 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 26.317 | 35.05469 | Verified | 1008 DTI 35.054% |
| [Redact] | 10201305 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 10.765 | 14.25739 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 10202571 | [Redact] |  | [Redact] | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10207043 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10217186 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 37.392 | 47.6863 | Verified | 1008 DTI 49.242% |
| [Redact] | 10217620 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 10217620 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 38.4 | 29.94174 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9984615 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid tape field value is blank |
| [Redact] | 10139385 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid tape field value is blank |
| [Redact] | 10151252 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10155277 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid tape field value is blank |
| [Redact] | 10176708 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10176708 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10202442 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10202442 | [Redact] |  |  | Original CLTV | 45.55 | 46.95652 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 10202442 | [Redact] |  |  | Original LTV | 45.55 | 46.95652 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9979611 | [Redact] |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redact] | 10153951 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid tape field value is blank |
| [Redact] | 10153951 | [Redact] |  |  | Original CLTV | 80 | 84.84848 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10213385 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10179399 | [Redact] |  |  | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 10179399 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10179399 | [Redact] |  |  | Borrower Current City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10179399 | [Redact] |  |  | Borrower Current State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 10179399 | [Redact] |  |  | Borrower Current Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10179399 | [Redact] |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redact] | 10179399 | [Redact] |  |  | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10179317 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10179317 | [Redact] |  |  | Borrower Current City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10179317 | [Redact] |  |  | Borrower Current Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10179317 | [Redact] |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redact] | 10179317 | [Redact] |  |  | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10179404 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10179404 | [Redact] |  |  | Borrower Current City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10179404 | [Redact] |  |  | Borrower Current Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10179404 | [Redact] |  |  | Mortgage Type |  | Conventional without MI | Verified | The Bid Tape Value was not provided. |
| [Redact] | 10179506 | [Redact] |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redact] | 10228343 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10228348 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10228348 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10228349 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10228349 | [Redact] |  |  | Refi Purpose |  | Limited Cash-out GSE | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10228347 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10228347 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10228347 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10228345 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10228345 | [Redact] |  |  | Representative FICO | 756 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10228350 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid tape field value is blank |
| [Redact] | 10228350 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Bid tape field value is blank |
| [Redact] | 10228371 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10228371 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10228371 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 49.833 | 46.04906 | Verified | Calculated Qualifying Rental income is different than Lender qualifying Rental income as per final 1003 and 1008 for REO properties [Redact] & [Redact] due to this variance in Rental Income there is variance in DTI and there is a DTI breach of more than 50% due to rental income variance details as given below :-<br> 1. Lender Qualifying DTI is 49.833% as per 1008 however, clarity is reflecting DTI as 53.98452%<br> 2. [Redact] - Lender has considered Rental income as [Redact] and Calculated Income is [Redact] - Lender has considered Mortgage Interest as [Redact] however as per Schedule E Part-I document Mortgage Interest is reflecting as [Redact] due to which there is variance in rental Income.<br> 3. [Redact] - Lender has considered Rental income as [Redact] and Calculated Income is = [Redact] - Lender has considered Total expenses as [Redact] however as per Schedule E Part-I document total expenses are [Redact] due to which there is variance in rental income. |
| [Redact] | 10228355 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10228364 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10228364 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10228372 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10228372 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10228372 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10228372 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 17.61 | 30.3447 | Verified | Field Value DTI is within tolerance of 1008 DTI 30.494%. |
| [Redact] | 10228373 | [Redact] |  |  | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 10228373 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10228373 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10228356 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10228356 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10228356 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10228377 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10228377 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10228376 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10228376 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10228354 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10228354 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 38.0553 | 49.37588 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| [Redact] | 10228375 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10228375 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10228375 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 36.6243 | 44.88942 | Verified | Field Value DTI matches 1008 DTI. |
| [Redact] | 10228366 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10228366 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10228366 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Lesser of 1% of loan amount or [Redact] |
| [Redact] | 10228366 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 35.0619 | 42.99236 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| [Redact] | 10228378 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10228378 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 10228362 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid tape field value is blank |
| [Redact] | 10228374 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid tape field value is blank |
| [Redact] | 10228374 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10228381 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10228381 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 9.01 | 16.07088 | Verified | Field Value DTI matches 1008 DTI |
| [Redact] | 10228381 | [Redact] |  |  | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| [Redact] | 10228387 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10228387 | [Redact] |  |  | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10228387 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10228387 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 31.6598 | 44.77066 | Verified | Filed Value DTI matches 1008 DTI. |
| [Redact] | 10228388 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10228367 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10228367 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10228363 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10228363 | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 10228363 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10228363 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 10228363 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 25 | 13.54343 | Verified | Field value is lower |
| [Redact] | 10228365 | [Redact] |  |  | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10228365 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10228365 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10228365 | [Redact] |  |  | Refi Purpose |  | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 10179497 | [Redact] |  |  | Mortgage Type |  | Conventional without MI | Verified | The Bid Tape Value was not provided. |
| [Redact] | 10179497 | [Redact] |  |  | Original CLTV |  | 80 | Verified | The Bid Tape Value was not provided. |
| [Redact] | 10179373 | [Redact] |  |  | Borrower Current City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10179373 | [Redact] |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redact] | 10179373 | [Redact] |  |  | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |

---

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.2 - Schedule 4**

![](ex99_001.jpg)

**Valuation Report**

**Run Date - 6/17/2026 2:00:07 PM** 

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [Redact] | 9499045 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9610723 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9804815 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9807839 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9809642 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.400% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9855427 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redact] | 9856877 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9896621 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9917635 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9953386 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9956980 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9977657 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9983757 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 10007066 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10008086 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 10008083 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.980% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [Redact] | 10066001 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10065994 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 10085114 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10085146 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.060% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 10085148 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10088799 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10090025 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 10091987 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 10097943 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10097942 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10100146 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 10103315 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10103318 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 10104178 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| [Redact] | 10104523 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 10106091 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 10106114 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 10107044 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10107141 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redact] | 10109700 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10111715 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10111716 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10111722 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redact] | 10139382 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10143548 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10143552 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 10143567 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 10145878 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10146541 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10146543 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redact] | 10146816 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10146815 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 10148129 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10148921 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10148922 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 10150171 | [Redact] | [Redact] |  |  |  |  |  |  | 3.650% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10150314 | [Redact] | [Redact] |  |  |  |  |  |  | 3.110% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 3.110% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redact] | 10150315 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10151253 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 10151821 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.330% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10151822 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10151823 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10153407 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 10153410 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10153430 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [Redact] | 10153702 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [Redact] | 10153701 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10153706 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 10153992 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10154003 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10154397 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10154398 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [Redact] | 10154998 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.470% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 10154999 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10155281 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 10155400 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10155403 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10155845 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10155840 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 10155844 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10155839 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10155838 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10155871 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.510% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10155875 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10106413 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106415 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | -1.780% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.78% |  |  |  |  |  |
| [Redact] | 10106424 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106431 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 10106432 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 10106443 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106465 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106475 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106490 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 10106503 | [Redact] |  |  |  |  |  |  |  | 35.320% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106546 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106555 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106558 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106575 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 10106576 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.560% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106601 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 10106602 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 10106673 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106722 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106723 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106727 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106797 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106929 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | -1.160% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.16% |  |  |  |  |  |
| [Redact] | 10156391 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10156748 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redact] | 10156749 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 10156750 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10156754 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 10156756 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| [Redact] | 10156765 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| [Redact] | 10156760 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.010% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 10156762 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10156769 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| [Redact] | 10156758 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10157972 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10157962 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10157978 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 10157970 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 10157980 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10157987 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 10158210 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.350% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redact] | 10158206 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10158208 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10158966 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 10158967 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.400% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10159001 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 10159066 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 10159104 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10159116 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 10159120 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.260% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10159117 | [Redact] | [Redact] |  |  |  |  |  |  | 27.660% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -100.000% |  | Indeterminate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 10159126 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10159381 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 10159965 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.980% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091790 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10160384 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 10160385 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 10160523 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10160529 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 10160531 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.550% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 10160528 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 10160535 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 10161411 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10161412 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10161413 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 10161447 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 10162235 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10163288 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -100.000% |  | Indeterminate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 10163294 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redact] | 10175678 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 10176999 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 10177699 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10177791 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 10177793 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 10177794 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 10177963 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10177965 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.680% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 10177967 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 10177973 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 10177966 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 10179060 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 10179050 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.760% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 10179103 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10179246 | [Redact] | [Redact] |  |  |  |  |  |  | 5.400% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [Redact] | 10179247 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10179651 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10179682 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10026751 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10106013 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redact] | 10179785 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10179834 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 10180511 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| [Redact] | 10181342 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| [Redact] | 10181481 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.690% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10181477 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10181482 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 10181525 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10194340 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 10194334 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 10194341 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 10194605 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 10194985 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10195792 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10195789 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [Redact] | 10195786 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 10196514 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 10196856 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 10196901 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redact] | 10196903 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10198794 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10198798 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10200228 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 10200291 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10200290 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10201305 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redact] | 10201298 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10201340 | [Redact] | [Redact] |  |  |  |  |  |  | 0.010% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 10202571 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10206521 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 10206555 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.670% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 10207043 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 10217186 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 10217620 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9984615 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.690% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 10139385 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10151252 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redact] | 10155277 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10176708 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10202442 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [Redact] | 10106046 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| [Redact] | 9979611 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redact] | 10153951 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10213385 | [Redact] |  |  |  |  |  |  |  | 22.700% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 10201294 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 10155332 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 1.600% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10155335 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 1.900% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10155362 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10155350 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10179399 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10179317 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [Redact] | 10179404 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [Redact] | 10179506 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.00 |
| [Redact] | 10228343 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10228348 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 10228349 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10228347 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10228345 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10228350 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.710% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10228371 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redact] | 10228355 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10228364 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10228372 | [Redact] |  |  |  |  |  |  |  | 0.520% |  |  |  | Appraisal |  |  |  |  |  |  | 0.520% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10228373 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10228356 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10228377 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redact] | 10228376 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10228354 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redact] | 10228375 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10228366 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10228378 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10228362 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10228374 | [Redact] |  |  |  |  |  |  |  | 4.610% |  |  |  | Appraisal |  |  |  |  |  |  | 4.610% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10228381 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10228387 | [Redact] |  |  |  |  |  |  |  | 1.050% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 10228388 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10228367 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 10228363 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 10228365 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9768888 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [Redact] | 10179497 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 10179373 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.10 |

---

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.2 - Schedule 5**

![](ex99_001.jpg)

**Supplemental Data**

**Run Date - 6/17/2026 2:00:08 PM** 

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **Default Interest Rate** | **Default Interest Accrual Start Days** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** | **Amortization Term Less IO** |
| [Redact] | 9499045 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2587.16 | $4833.66 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.391% | 29.391% | 29.391% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2015 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2587.16 |  | [Redact] | $14970.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 193.34 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 9610723 | [Redact] | [Redact] | N/A |  |  |  | No | No | $3900.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3900.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.62 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 |
| [Redact] | 9804815 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16807.12 | $21989.18 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.115% | 49.115% | 49.115% | [Redact] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16807.12 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.01 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 9807839 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14794.90 | $15982.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.162% | 38.162% | 38.162% | [Redact] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14794.90 |  | [Redact] | $0.00 | 3.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.79 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 9809642 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5900.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $5900.00 |  | [Redact] | $2500.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 19.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  | 45.63 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| [Redact] | 9855427 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15658.14 | $23620.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.669% | 45.669% | 45.669% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15658.14 |  | [Redact] | $2500.00 | 1 | LP / LPA |  | Accept/Ineligible | Yes | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 47.190% | No |  | 33 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 50.37 |  | Yes | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 9856877 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17699.00 | $32452.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.134% | 30.134% | 30.134% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17699.00 |  | [Redact] | $47400.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 22.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.81 | Retail |  | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 9896621 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $35669.56 | $5565.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.427% | 37.427% | 37.427% | [Redact] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $35669.56 |  | [Redact] | $2000.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 351.64 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 9917635 | [Redact] | [Redact] | N/A |  |  |  | No | No | $12469.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12469.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.97 | 0.34 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.93 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 9953386 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20410.38 | $6789.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.061% | 41.061% | 41.061% | [Redact] | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20410.38 |  | [Redact] | $135000.00 | 3.2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 | 0 | 2 | 0 | 2 | 2 |  |  | 8.97 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 4.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.15 |  | Yes | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 9956980 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5594.54 | $4017.49 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.294% | 24.294% | 24.294% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5594.54 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.41 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 9977657 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4119.00 | $6434.58 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.105% | 24.105% | 24.105% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4119.00 |  | [Redact] | $14000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 8.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.53 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 9983757 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5183.75 | $7732.21 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.690% | 45.690% | 45.690% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5183.75 |  | [Redact] | $10000.00 | 4.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.73 | Retail | Yes | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10007066 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $53917.47 | $60869.43 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.636% | 47.636% | 47.636% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2013 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $53917.47 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 25.590% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.38 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10008086 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9007.50 | $12349.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.559% | 21.559% | 21.559% | [Redact] | 625 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9007.50 |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.77 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10008083 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $126313.50 | $95043.17 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.393% | 34.393% | 34.393% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 37.880% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 37.88% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 37.88% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 37.88% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 37.88% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 37.88% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 37.88% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 37.88% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 37.88% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $126313.50 |  | [Redact] | $0.00 | 4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.35 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10066001 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13756.75 | $15106.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.648% | 24.648% | 24.648% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13756.75 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.99 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| [Redact] | 10065994 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $71105.00 | $74328.57 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.942% | 45.942% | 45.942% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $71105.00 |  | [Redact] | $460000.00 | 3.2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 | 1 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 5.490% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.48 |  | Yes | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10085114 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5040.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5040.00 |  | [Redact] | $10000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.840% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.03 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10085146 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6720.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6720.00 |  | [Redact] | $0.00 | 3.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 114.03 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10085148 | [Redact] | [Redact] | N/A |  |  |  | No | No | $15560.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15560.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] | 31.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.4 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 |
| [Redact] | 10088799 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5910.74 | $8464.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 6.077% | 6.077% | 6.077% | [Redact] | 635 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5910.74 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.82 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10090025 | [Redact] | [Redact] | N/A |  |  |  | No | No | $8100.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8100.00 |  | [Redact] | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57.11 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10091987 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7830.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | [Redact] | $7830.00 |  | [Redact] | $10800.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 30.830% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.54 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 |
| [Redact] | 10097943 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $1500.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.58 |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 31.75 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10097942 | [Redact] | [Redact] | N/A |  |  |  | No | No | $3047.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3047.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.09 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10100146 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 56.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 47.74 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10103315 | [Redact] | [Redact] | N/A |  |  |  | No | No | $27843.75 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 744 | 744 | 802 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $27843.75 |  | [Redact] | $3000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.79 | 0.56 |  |  |  |  |  |  |  | [Redact] | [Redact] | 54.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 43.9 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| [Redact] | 10103318 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $0.00 | $2704.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.920% | 36.920% | 36.920% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 89.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $11850.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 16.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.42 | Retail |  | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10104178 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14839.18 | $20391.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.589% | 45.589% | 45.589% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14839.18 |  | [Redact] | $130000.00 | 4.4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 8.340% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.74 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10104523 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6248.00 | $10162.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6248.00 |  | [Redact] | $8500.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 28.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.71 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 240 |
| [Redact] | 10106091 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 67.71 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10106114 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4082.63 | $4803.61 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4082.63 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.63 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10107044 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13314.38 | $2739.11 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.077% | 30.077% | 30.077% | [Redact] | 621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13314.38 |  | [Redact] | $23995.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 11.69 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10107141 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $20210.00 | $8234.41 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.699% | 42.699% | 42.699% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20210.00 |  | [Redact] | $0.00 | 3.4 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 64.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 90.11 |  | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |  | 360 |
| [Redact] | 10109700 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.54 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10111715 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 116.7 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 |
| [Redact] | 10111716 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 90.08 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 |
| [Redact] | 10111722 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 3.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.37 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10139382 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $11719.24 | $12955.81 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.703% | 37.703% | 37.703% | [Redact] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11719.24 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 171.75 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10143548 | [Redact] | [Redact] | N/A |  |  |  | No | No | $9000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9000.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.61 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 126.82 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10143552 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4425.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4425.00 |  | [Redact] | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 98.86 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10143567 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $11000.00 | 3.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] | 72.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.41 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10145878 | [Redact] | [Redact] | N/A |  |  |  | No | No | $2700.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2700.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.54 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 44.13 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10146541 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5752.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5752.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 104.44 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10146543 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5175.45 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5175.45 |  | [Redact] | $3000.00 | 3.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.84 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [Redact] | 10146816 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6283.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6283.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 360 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 133.57 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [Redact] | 10146815 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6750.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6750.00 |  | [Redact] | $250000.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.79 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10148129 | [Redact] | [Redact] | N/A |  |  |  | No | No | $9607.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9607.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 360 | [Redact] | [Redact] | 33.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.84 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10148921 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10346.25 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10346.25 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.8 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| [Redact] | 10148922 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10346.25 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10346.25 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 81.09 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| [Redact] | 10150171 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1490.00 | $1833.98 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.567% | 40.567% | 40.567% | [Redact] | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1490.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 3 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1044.52 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10150314 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5878.12 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5878.12 |  | [Redact] | $0.00 | 1 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | [Redact] | [Redact] | 31.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.9 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10150315 | [Redact] | [Redact] | N/A |  |  |  | No | No | $15468.75 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15468.75 |  | [Redact] | $11250.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] | 48.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.91 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10151253 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23631.04 | $49963.82 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redact] | [Redact] |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.600% | 41.600% | 41.600% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $23631.04 |  | [Redact] | $10000.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 29.480% | No |  | 35 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 25.31 | Retail | Yes | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [Redact] | 10151821 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5472.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5472.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | [Redact] | [Redact] | 36.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.35 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| [Redact] | 10151822 | [Redact] | [Redact] | N/A |  |  |  | No | No | $3437.52 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $3437.52 |  | [Redact] | ($2000.00) | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | [Redact] | [Redact] | 60.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.17 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10151823 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $605.00 | $1344.17 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.568% | 40.568% | 40.568% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $605.00 |  | [Redact] | $30000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.69 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10153407 | [Redact] | [Redact] | N/A |  |  |  | No | No | $1650.91 | $2333.17 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1650.91 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.92 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10153410 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $29472.30 | $31578.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 6.896% | 6.896% | 6.896% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $29472.30 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 4 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 8.32 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10153430 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4015.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4015.00 |  | [Redact] | $0.00 | 4.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] | 91.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.83 | Broker |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10153702 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $0.00 | $1274.29 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.507% | 15.507% | 15.507% | [Redact] | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $10000.00 | 999 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 60.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.61 | Broker | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10153701 | [Redact] | [Redact] | N/A |  |  |  | No | No | $8800.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8800.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.84 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 101.38 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10153706 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21510.17 | $26269.43 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.418% | 44.418% | 44.418% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $21510.17 |  | [Redact] | $30000.00 | 3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 3 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 36.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.76 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10153992 | [Redact] | [Redact] | N/A |  |  |  | No | No | $40775.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $40775.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.87 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [Redact] | 10154003 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 102.1 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10154397 | [Redact] | [Redact] | N/A |  |  |  | No | No | $29750.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $29750.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.68 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10154398 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $22294.00 | $24270.97 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.792% | 35.792% | 35.792% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $22294.00 |  | [Redact] | $0.00 | 999 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 24.93 | Retail |  | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10154998 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $10919.00 | $8532.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.093% | 23.093% | 23.093% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10919.00 |  | [Redact] | $0.00 | 3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.76 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10154999 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11827.50 | $19597.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.319% | 42.319% | 42.319% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11827.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 122.62 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10155281 | [Redact] | [Redact] | N/A |  |  |  | No | No | $757.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $757.50 |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.69 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10155400 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6514.00 | $2415.45 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6514.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 100.46 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 |
| [Redact] | 10155403 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $45480.00 | $10762.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 9.617% | 9.617% | 9.617% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $45480.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 149.54 |  | No | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 | 360 |
| [Redact] | 10155845 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $17550.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.048% | 26.048% | 26.048% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17550.00 |  | [Redact] | $167000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.79 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10155840 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $595.00 | $1068.34 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 4.155% | 4.155% | 4.155% | [Redact] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $595.00 |  | [Redact] | $200.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.39 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10155844 | [Redact] | [Redact] | N/A |  |  |  | No | No | $2870.00 | $4322.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2870.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 155.55 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10155839 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.85 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 11 | 360 |
| [Redact] | 10155838 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.64 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | 360 |
| [Redact] | 10155871 | [Redact] | [Redact] | N/A |  |  |  | No | No | $20212.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20212.50 |  | [Redact] | $42211.97 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] | 46.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.87 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| [Redact] | 10155875 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $28798.00 | $14042.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.376% | 36.376% | 36.376% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $28798.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.410% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.46 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10106413 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] | 93.420% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 407.18 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10106415 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 45.92 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10106424 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 244.46 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10106431 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | Non-Permanent Resident Alien | US Citizen |  |  | [Redact] |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.65 | 0.38 |  |  |  |  |  |  |  | [Redact] | [Redact] | 53.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.2 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10106432 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.68 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| [Redact] | 10106443 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 24.6 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| [Redact] | 10106465 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 6610.7 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| [Redact] | 10106475 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.84 | 0.54 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 147.54 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| [Redact] | 10106490 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 30.62 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10106503 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  | No | 39.69 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10106546 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 2.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 45.19 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| [Redact] | 10106555 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 797.33 | Retail |  | Yes | [Redact] |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| [Redact] | 10106558 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 945.47 | Retail |  | Yes | [Redact] |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| [Redact] | 10106575 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 51.640% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.47 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| [Redact] | 10106576 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 7 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 43.71 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10106601 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 73.940% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 54.63 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| [Redact] | 10106602 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 293.56 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| [Redact] | 10106673 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 52.45 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10106722 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.39 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10106723 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.92 | 0.52 |  |  |  |  |  |  |  | [Redact] | [Redact] | 58.160% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 39.78 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10106727 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 368.66 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10106797 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 1.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 524.46 | Retail |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| [Redact] | 10106929 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LP | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 20.97 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10156391 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10156748 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6093.82 | $6759.58 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $6093.82 |  | [Redact] | $0.00 | 3.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 49.89 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10156749 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $7000.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] | 29.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.23 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 | 360 |
| [Redact] | 10156750 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4291.84 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4291.84 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 74.75 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 8 | 360 |
| [Redact] | 10156754 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6048.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6048.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.27 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10156756 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $35750.00 | $3615.66 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.968% | 46.968% | 46.968% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $35750.00 |  | [Redact] | $0.00 | 4.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 48.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.48 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10156765 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $43848.00 | $17620.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.882% | 37.882% | 37.882% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $43848.00 |  | [Redact] | $0.00 | 4.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.46 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10156760 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.048% | 28.048% | 28.048% | [Redact] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $60000.00 | 5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 22.500% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.79 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10156762 | [Redact] | [Redact] | N/A |  |  |  | No | No | $840.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $840.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | [Redact] | [Redact] | 89.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 75.52 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10156769 | [Redact] | [Redact] | N/A |  |  |  | No | No | $11425.00 | $3243.61 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11425.00 |  | [Redact] | $0.00 | 4.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 97.68 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10156758 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $42374.05 | $43838.14 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.610% | 23.535% | 29.610% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $42374.05 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 29.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.96 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| [Redact] | 10157972 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2670.00 | $5909.34 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.621% | 16.621% | 16.621% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2670.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 66.78 | Broker | No | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10157962 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5135.62 | $2046.02 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5135.62 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.92 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10157978 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $38070.00 | $10096.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Employed |  | 2.44 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.089% | 23.089% | 23.089% | [Redact] | 787 | 792 | 804 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $38070.00 |  | [Redact] | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  | 26 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 205.83 |  | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10157970 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11090.25 | $11960.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.034% | 48.034% | 48.034% | [Redact] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11090.25 |  | [Redact] | $7500.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 24.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.24 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10157980 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7020.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7020.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 136.37 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10157987 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6715.10 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6715.10 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 127.81 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| [Redact] | 10158210 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $95859.17 | $70658.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.780% | 7.780% | 7.780% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $95859.17 |  | [Redact] | $0.00 | 3.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 13.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.54 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10158206 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $20341.58 | $13425.45 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.975% | 39.975% | 39.975% | [Redact] | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20341.58 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 17.46 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10158208 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.53 | 0.39 |  |  |  |  |  |  |  | [Redact] | [Redact] | 61.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 46.42 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10158966 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1490.00 | $3011.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Not Employed |  | 0 |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.112% | 43.112% | 43.112% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1490.00 |  | [Redact] | $0.00 | 3.9 |  |  |  | N/A | No | [Redact] | 0 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.53 |  | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [Redact] | 10158967 | [Redact] | [Redact] | N/A |  |  |  | No | No | $42575.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $42575.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.86 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10159001 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $15552.19 | $3676.99 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.683% | 40.683% | 40.683% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; Transcripts (1040) - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15552.19 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.81 |  | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10159066 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5585.00 | $9870.56 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.996% | 26.764% | 26.655% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5585.00 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 64.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 44.4 | Retail | No | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10159104 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4944.90 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4944.90 |  | [Redact] | $4000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] | 23.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.47 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10159116 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $3837.50 | $5657.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.558% | 20.558% | 20.558% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3837.50 |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 50.43 |  | No | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10159120 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.83 | 0.55 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 98.58 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10159117 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5306.27 | $8136.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.695% | 38.695% | 38.695% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5306.27 |  | [Redact] | $0.00 | 2.7 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 10.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1.08 |  |  | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10159126 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4935.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4935.00 |  | [Redact] | $2000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | [Redact] | 96.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.06 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10159381 | [Redact] | [Redact] | N/A |  |  |  | No | No | $42000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $42000.00 |  | [Redact] | $0.00 | 3.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 122.16 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10159965 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $29015.00 | $36655.52 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.023% | 46.199% | 48.023% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $29015.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.72 | Retail | No | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10091790 | [Redact] |  | Non QM |  |  |  | Yes | No | $45029.40 | $29746.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 3.844% | 3.844% | 3.844% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $45029.40 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.92 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10160384 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5000.00 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.89 | 0.53 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.4 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10160385 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.84 | 0.26 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 79.94 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10160523 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $38268.72 | $15864.67 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.493% | 31.493% | 31.493% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $38268.72 |  | [Redact] | $105000.00 |  |  |  |  | N/A | No | [Redact] | 0 | 3 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 13.350% | No |  | 24 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.98 |  | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10160529 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5506.77 | $6429.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.164% | 41.164% | 41.164% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5506.77 |  | [Redact] | $6150.00 | 2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.58 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10160531 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4387.33 | $12615.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 9.757% | 9.251% | 9.757% | [Redact] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 75.500% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4387.33 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.4 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10160528 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $5000.00 | 1.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 170.84 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 11 | 360 |
| [Redact] | 10160535 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5493.60 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5493.60 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 120.15 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10161411 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 1.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62.41 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 |
| [Redact] | 10161412 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | $0.00 | [Redact] | $0.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | [Redact] | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 83.77 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10161413 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5265.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5265.00 |  | [Redact] | $0.00 | 1.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 99.93 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10161447 | [Redact] | [Redact] | N/A |  |  |  | No | No | $12431.25 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12431.25 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.16 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10162235 | [Redact] | [Redact] | N/A |  |  |  | No | No | $17062.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17062.50 |  | [Redact] | $12500.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] | 22.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.18 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10163288 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7905.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7905.00 |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.4 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10163294 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $12275.00 | $2984.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.410% | 48.410% | 48.410% | [Redact] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12275.00 |  | [Redact] | $5000.00 | 3.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.17 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10175678 | [Redact] | [Redact] | N/A |  |  |  | No | No | $3288.09 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3288.09 |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 116.24 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10176999 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $15236.25 | $17958.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.044% | 11.044% | 11.044% | [Redact] | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15236.25 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.69 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| [Redact] | 10177699 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9900.52 | $12597.23 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.717% | 32.717% | 32.717% | [Redact] | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9900.52 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.9 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10177791 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1590.00 | $2480.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.974% | 33.974% | 33.974% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1590.00 |  | [Redact] | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Employment Authorization |  |  | No | 78.36 |  | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10177793 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1590.00 | $2519.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.180% | 33.180% | 33.180% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1590.00 |  | [Redact] | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 3 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Employment Authorization |  |  | No | 72.71 |  | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10177794 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1595.00 | $13591.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | US Citizen |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.382% | 16.004% | 18.382% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1595.00 |  | [Redact] | $0.00 | 3.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 40.300% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA |  |  |  |  | 9.1 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| [Redact] | 10177963 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7420.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7420.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.76 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 | 360 |
| [Redact] | 10177965 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $40000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.110% | 28.110% | 28.110% | [Redact] | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 48.000% | 52.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 48.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $40000.00 |  | [Redact] | $153000.00 | 3.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 24.150% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.77 |  | Yes | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10177967 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $10025.00 | $2996.58 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.227% | 21.227% | 21.227% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Borrower - \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10025.00 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 127.88 |  | No | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10177973 | [Redact] | [Redact] | N/A |  |  |  | No | No | $2430.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2430.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 77.75 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10177966 | [Redact] | [Redact] | N/A |  |  |  | No | No | $11340.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  | US Citizen | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 709 | 748 | 753 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11340.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 33.06 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 |
| [Redact] | 10179060 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $8754.93 | $4358.41 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.533% | 43.533% | 43.533% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8754.93 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 232.59 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [Redact] | 10179050 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $41622.43 | $53636.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.343% | 27.444% | 30.343% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $41622.43 |  | [Redact] | $0.00 | 3.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redact] | [Redact] | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.39 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10179103 | [Redact] | [Redact] | N/A |  |  |  | No | No | $11447.62 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11447.62 |  | [Redact] | $14000.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 132.47 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10179246 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6732.35 | $17562.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.521% | 28.521% | 28.521% | [Redact] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6732.35 |  | [Redact] | $0.00 | 999 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 26.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.66 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10179247 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $23000.00 | $27682.11 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.501% | 32.501% | 32.501% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 1995 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $23000.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.3 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10179651 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.12 | 0.47 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 62.32 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10179682 | [Redact] | [Redact] | N/A |  |  |  | No | No | $15652.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15652.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.53 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10026751 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.73 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| [Redact] | 10106013 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 360 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.83 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10179785 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 228.41 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10179834 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1890.00 | $5703.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.175% | 40.175% | 40.175% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - No Results Returned - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1890.00 |  | [Redact] | $0.00 | 2.3 |  |  |  | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 55.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.04 |  | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10180511 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10584.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10584.00 |  | [Redact] | $0.00 | 4.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.63 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10181342 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $13322.55 | $13212.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.839% | 33.839% | 33.839% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 47.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13322.55 |  | [Redact] | $0.00 | 4.5 |  |  |  | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 8 |  |  | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.03 | Retail | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10181481 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $41195.00 | $12485.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | Yes | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.302% | 30.302% | 30.302% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $41195.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.41 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [Redact] | 10181477 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5310.50 | $7847.29 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 9.360% | 9.360% | 9.360% | [Redact] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5310.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 96.6 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 | 360 |
| [Redact] | 10181482 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5340.00 | $7889.39 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 9.643% | 9.643% | 9.643% | [Redact] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5340.00 |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 89.28 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 | 360 |
| [Redact] | 10181525 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $22001.00 | $11372.57 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.752% | 14.752% | 14.752% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $22001.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 34.240% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.05 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10194340 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $0.00 | $85.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.850% | 27.850% | 27.850% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $214834.81 | 3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 12.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.27 | Retail | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10194334 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $29045.40 | $30525.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.041% | 38.041% | 38.041% | [Redact] | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $29045.40 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 122.2 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10194341 | [Redact] | [Redact] | N/A |  |  |  | No | No | $100000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $100000.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.07 | 0.48 |  |  |  |  |  |  |  | [Redact] | [Redact] | 9.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.02 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10194605 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6214.25 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6214.25 |  | [Redact] | $30000.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | [Redact] | 14.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.06 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10194985 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $12624.00 | $9525.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.920% | 27.920% | 27.920% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12624.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 1 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.96 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10195792 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8015.62 | $1479.45 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.151% | 27.151% | 27.151% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2026 |  | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8015.62 |  | [Redact] | $11250.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 29.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.73 |  | Yes | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10195789 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4240.00 | $5568.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.889% | 48.889% | 48.889% | [Redact] | 634 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4240.00 |  | [Redact] | $0.00 | 4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.57 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [Redact] | 10195786 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 96.19 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10196514 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1750.00 | $3193.66 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.409% | 28.409% | 28.409% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1750.00 |  | [Redact] | $140000.00 | 2.1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 49.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.09 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10196856 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $28377.40 | $10551.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.391% | 37.391% | 37.391% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $28377.40 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.66 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10196901 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $23136.44 | $4928.52 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.599% | 30.599% | 30.599% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $23136.44 |  | [Redact] | $0.00 | 3.1 |  |  |  | N/A | No | [Redact] | 3 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 0 | 0 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.05 |  | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10196903 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $16911.25 | $8224.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.001% | 42.001% | 42.001% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Employer Letter - 2026<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2026<br> [Borrower - \| Non-Primary Income - Housing Allowance]; The Work Number - Income - 2026<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 Transcript - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2026<br> [Borrower - \| Non-Primary Income - Rations]; Other - 2026<br> [Borrower - \| Non-Primary Income - Rations]; The Work Number - Income - 2026<br> [Borrower - \| Non-Primary Income - Rations]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Rations]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - No Results Returned - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16911.25 |  | [Redact] | $6000.00 | 1 |  |  |  | N/A | No | [Redact] | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 34.380% | No | 13 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.47 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10198794 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7176.36 | $7380.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | Yes | Employed | Employed | Employed |  | 7.19 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.031% | 46.031% | 46.031% | [Redact] | 784 | 717 | 739 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7176.36 |  | [Redact] | $12000.00 | 1 |  |  |  | N/A | No | [Redact] | 3 | 3 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.380% | No | 25 | 25 | 24 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 14.21 |  | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10198798 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10875.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10875.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.71 |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.09 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10200228 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $20333.37 | $27136.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | Yes | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.951% | 27.951% | 27.951% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20333.37 |  | [Redact] | $0.00 | 3 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 54.500% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 58.98 |  | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10200291 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1047.44 | $3396.81 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.425% | 32.425% | 32.425% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1047.44 |  | [Redact] | $9109.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.43 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10200290 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1050.00 | $2237.27 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.055% | 34.593% | 33.329% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1050.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 18.49 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10201305 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1895.00 | $5618.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.257% | 14.257% | 14.257% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1895.00 |  | [Redact] | $0.00 | 3.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.49 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 480 |
| [Redact] | 10201298 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $17133.00 | $7315.79 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.808% | 46.808% | 46.808% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2026 | [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17133.00 |  | [Redact] | $13500.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 46.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.15 |  | No | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10201340 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $41250.00 | $14392.66 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.271% | 39.271% | 39.271% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $41250.00 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.030% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.7 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10202571 | [Redact] | [Redact] | N/A |  |  |  | No | No | $8391.60 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8391.60 |  | [Redact] | $500.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] | 74.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 64.44 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [Redact] | 10206521 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6603.84 | $8591.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.471% | 47.471% | 47.471% | [Redact] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6603.84 |  | [Redact] | $3600.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.64 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10206555 | [Redact] | [Redact] | N/A |  |  |  | No | No | $3528.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3528.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] | 22.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 19.34 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10207043 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1890.00 | $7092.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.799% | 18.643% | 20.799% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1890.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 170.72 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 240 |
| [Redact] | 10217186 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $15409.68 | $16506.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.686% | 47.686% | 47.686% | [Redact] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15409.68 |  | [Redact] | $1000.00 | 1.5 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 22.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.07 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10217620 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1496.30 | $3046.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Not Employed | Not Employed | Self-Employed | 0 | 7.47 |  |  | US Citizen | US Citizen |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.942% | 29.942% | 29.942% | [Redact] | 776 | 778 | 784 | 788 | 782 | 766 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |  | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1496.30 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | 57.56 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 | 360 |
| [Redact] | 9984615 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 3.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 109.32 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10139385 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 650.84 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10151252 | [Redact] |  | N/A |  |  |  | No | No | $16100.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16100.00 |  | [Redact] | $0.00 | 3.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.17 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 84.29 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 10155277 | [Redact] |  | N/A |  |  |  | No | No | $5640.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5640.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.54 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.19 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| [Redact] | 10176708 | [Redact] |  | N/A |  |  |  | No | No | $4350.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4350.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.2 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 |
| [Redact] | 10202442 | [Redact] |  | N/A |  |  |  | No | No | $9072.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9072.00 |  | [Redact] | $0.00 | 4.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 36.94 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |  | 360 |
| [Redact] | 10106046 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 4.4 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 33.48 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| [Redact] | 9979611 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 53.93 | Retail |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |  | 360 |
| [Redact] | 10153951 | [Redact] |  | Non QM |  |  |  | Yes | No | $2717.00 | $3843.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.944% | 48.944% | 48.944% | [Redact] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2026<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2023<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2023<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2022 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2717.00 |  | [Redact] | $8000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 4 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.96 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10213385 | [Redact] |  | Non QM |  |  |  | Yes | No | $12040.00 | $23243.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 4.442% | 4.442% | 4.442% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12040.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.29 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10201294 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $12535.00 | $14321.04 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.446% | 37.446% | 37.446% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12535.00 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.79 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10155332 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.96 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| [Redact] | 10155335 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.45 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| [Redact] | 10155362 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.22 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10155350 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 60.78 |  |  | Yes | [Redact] |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10179399 | [Redact] |  | Non QM |  |  |  | Yes | No | $17857.69 | $15076.41 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 5.617% | 5.617% | 5.617% | [Redact] | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $17857.69 |  | [Redact] | $86000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 6.67 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| [Redact] | 10179317 | [Redact] |  | Non QM |  |  |  | Yes | No | $7824.40 | $10569.81 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.904% | 39.904% | 39.904% | [Redact] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $7824.40 |  | [Redact] | $10000.00 | 1 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 26.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 6.27 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| [Redact] | 10179404 | [Redact] |  | Non QM |  |  |  | Yes | No | $4288.50 | $5832.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.788% | 20.788% | 20.788% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $4288.50 |  | [Redact] | $8000.00 | 1 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 16.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.42 | Retail | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10179506 | [Redact] |  | Non QM |  |  |  | Yes | No | $1845.00 | $2985.43 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.669% | 23.669% | 23.669% | [Redact] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $1845.00 |  | [Redact] | $0.00 | 4 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.85 | Retail | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10228343 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3382.00 | $4528.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.503% | 21.503% | 21.503% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3382.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 46.490% | No | 32 | 28 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.97 |  | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10228348 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1594.38 | $2615.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.172% | 34.172% | 34.172% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1594.38 |  | [Redact] | $0.00 | 3.7 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 100.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 317.06 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10228349 | [Redact] |  | N/A |  |  |  | No | No | $1920.00 | $1043.74 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.684% | 45.684% | 45.684% | [Redact] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1920.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 1 | 2 | 2 | 0 | 3 | 2 |  |  | 11.93 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 12 | 22 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 40.93 |  | No | No |  |  |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| [Redact] | 10228347 | [Redact] |  | Non QM |  |  |  | Yes | No | $6580.00 | $12935.64 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.749% | 42.295% | 48.749% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6580.00 |  | [Redact] | $15000.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 10.97 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 26.020% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.86 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| [Redact] | 10228345 | [Redact] |  | Non QM |  |  |  | Yes | No | $1119.50 | $4069.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.801% | 34.801% | 34.801% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1119.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 89.83 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10228350 | [Redact] |  | Non QM |  |  |  | Yes | No | $995.00 | $1970.44 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.546% | 26.546% | 26.546% | [Redact] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $995.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.77 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10228371 | [Redact] |  | N/A |  |  |  | No | No | $1764.00 | $2768.82 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.049% | 46.049% | 46.049% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1764.00 |  | [Redact] | $4000.00 | 3.3 |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 42.580% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.14 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [Redact] | 10228355 | [Redact] |  | Non QM |  |  |  | Yes | No | $2984.00 | $4780.29 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.279% | 40.279% | 40.279% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2984.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 59.480% | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.77 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10228364 | [Redact] |  | Non QM |  |  |  | Yes | No | $1180.00 | $4358.37 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.103% | 49.103% | 49.103% | [Redact] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1180.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 0 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 123.2 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10228372 | [Redact] |  | Non QM |  |  |  | Yes | No | $1843.50 | $2561.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.345% | 30.345% | 30.345% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1843.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 1 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.76 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 | 360 |
| [Redact] | 10228373 | [Redact] |  | N/A |  |  |  | No | No | $1918.00 | $4041.82 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.008% | 42.008% | 42.008% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1918.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 1 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 166.12 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10228356 | [Redact] |  | Non QM |  |  |  | Yes | No | $3740.08 | $6330.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.655% | 39.655% | 39.655% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3740.08 |  | [Redact] | $7500.00 |  |  |  |  | N/A | No | [Redact] | 1 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.690% | No | 15 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.38 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10228377 | [Redact] |  | Non QM |  |  |  | Yes | No | $1790.00 | $4047.64 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.049% | 36.049% | 36.049% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1790.00 |  | [Redact] | $0.00 | 3.3 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 19 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.18 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10228376 | [Redact] |  | Non QM |  |  |  | Yes | No | $21208.00 | $27357.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.945% | 40.945% | 40.945% | [Redact] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $21208.00 |  | [Redact] | $67500.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.020% | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.8 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10228354 | [Redact] |  | Non QM |  |  |  | Yes | No | $1778.00 | $8849.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.376% | 49.376% | 49.376% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2026<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Note Receivable]; Account Statements - 2026<br> [Coborrower(s) - \| Non-Primary Income - Note Receivable]; Deposit Receipt - 2026<br> [Coborrower(s) - \| Non-Primary Income - Note Receivable]; Note - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1778.00 |  | [Redact] | $0.00 | 3.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 51.66 |  | Yes | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10228375 | [Redact] |  | Non QM |  |  |  | Yes | No | $21695.00 | $9990.98 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.889% | 36.966% | 44.889% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $21695.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 1 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 37.950% | No | 23 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.76 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| [Redact] | 10228366 | [Redact] |  | Non QM |  |  |  | Yes | No | $4195.00 | $4971.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.992% | 42.992% | 42.992% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  | Audited | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.52000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.52000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.52000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.52000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.52000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.52000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.52000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.52000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.52000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.52000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Audited P&L - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4195.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  | No | 36.87 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10228378 | [Redact] |  | N/A |  |  |  | No | No | $3365.00 | $4117.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.729% | 48.729% | 48.729% | [Redact] | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3365.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 1 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 49.29 |  | No | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10228362 | [Redact] |  | Non QM |  |  |  | Yes | No | $1200.00 | $5240.73 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.177% | 37.177% | 37.177% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1200.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 3 | 3 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 46.800% | No | 124 | 13 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 46.5 |  | No | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10228374 | [Redact] |  | Non QM |  |  |  | Yes | No | $3876.69 | $4863.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.160% | 37.160% | 37.160% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Annuity]; Account Statements - 2026<br> [Borrower - \| Primary Income - Annuity]; Other - 2026<br> [Borrower - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - No Results Returned - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3876.69 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 302.24 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10228381 | [Redact] |  | N/A |  |  |  | No | No | $1769.00 | $2901.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.071% | 16.071% | 16.071% | [Redact] | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1769.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 3 | 3 | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.46 |  | No | No |  |  |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [Redact] | 10228387 | [Redact] |  | Non QM |  |  |  | Yes | No | $46295.00 | $34846.03 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.771% | 40.631% | 44.771% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $46295.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 120.76 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10228388 | [Redact] |  | Non QM |  |  |  | Yes | No | $16196.00 | $24387.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.771% | 39.771% | 39.771% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Vesting Schedule - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16196.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 1 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.530% | No | 9 | 36 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.32 |  | Yes | No |  |  |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10228367 | [Redact] |  | Non QM |  |  |  | Yes | No | $10240.00 | $13794.02 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.215% | 47.215% | 47.215% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10240.00 |  | [Redact] | $20000.00 | 2 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 49.890% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10228363 | [Redact] |  | Non QM |  |  |  | Yes | No | $23190.00 | $14996.23 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.543% | 13.020% | 13.543% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2007 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $23190.00 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 92.610% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.62 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 | 240 |
| [Redact] | 10228365 | [Redact] |  | Non QM |  |  |  | Yes | No | $4067.38 | $5295.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.021% | 34.021% | 34.021% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4067.38 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 199.66 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 9768888 | [Redact] |  | Non QM |  |  |  | Yes | No | $1750.00 | $2167.72 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.410% | 34.410% | 34.410% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $1750.00 |  | [Redact] | $7000.00 | 2.6 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 5 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 102.21 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [Redact] | 10179497 | [Redact] |  | Non QM |  |  |  | Yes | No | $11448.00 | $14267.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.227% | 19.227% | 19.227% |  | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 65.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $11448.00 |  | [Redact] | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.08 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [Redact] | 10179373 | [Redact] |  | Non QM |  |  |  | Yes | No | $18600.00 | $29551.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.949% | 19.949% | 19.949% | [Redact] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 60.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $18600.00 |  | [Redact] | $0.00 | 4.1 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.29 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |

---

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.2 - Schedule 6**

![](ex99_001.jpg)

**Multi Property Valuation Report**

**Run Date - 6/17/2026 2:00:09 PM** 

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **External Property Num** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Property ID** | **Property Address** | **City** | **State** | **Zip Code** | **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** | **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** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| [Redact] | 10106415-2 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106415-3 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106415-4 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | -8.89% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106415-5 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106415-1 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106431-1 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106431-2 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106432-1 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106432-2 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106432-3 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106490-4 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106490-2 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106490-3 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106490-1 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106575-4 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106575-3 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106575-2 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106575-1 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106601-1 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106601-2 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106601-3 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106601-4 | [Redact] |  |  | [Redact] |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106602-4 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106602-3 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106602-2 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106602-1 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106929-1 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106929-2 | [Redact] |  |  |  |  |  |  |  | 11.111% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106929-3 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106929-4 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106929-5 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106929-6 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106929-7 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106929-8 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 10106929-9 | [Redact] |  |  |  |  |  |  |  | 0.000% | [Redact] | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.3**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**MSRM 2026-NQM7**

**By Clarifii LLC on June 12, 2026**

MSRM 2026-NQM7 Due Diligence Narrative Report – PagE \| 1

![](ex993001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 82 Loans (the "Loans") originated by a correspondent lender and acquired by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates (the "Client") for the MSRM 2026-NQM7 transaction. The Loans referenced in this narrative report were reviewed between 08/2025 to 06/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;34 | &nbsp;&nbsp;41.46% | &nbsp;&nbsp;$14750450.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;9 | &nbsp;&nbsp;10.98% | &nbsp;&nbsp;$4416200.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;39 | &nbsp;&nbsp;47.56% | &nbsp;&nbsp;$29609758.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$48776408.00** |

---

The Review consisted of a population of 82 Loans, with an aggregate principal balance of $48,776,408.00.

**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.

MSRM 2026-NQM7 Due Diligence Narrative Report – PagE \| 2

![](ex993001.jpg)

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, April 30, 2026 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp; Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br>Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025<br>|
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |

---

MSRM 2026-NQM7 Due Diligence Narrative Report – PagE \| 3

![](ex993001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |

---

MSRM 2026-NQM7 Due Diligence Narrative Report – PagE \| 4

![](ex993001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

MSRM 2026-NQM7 Due Diligence Narrative Report – PagE \| 5

![](ex993001.jpg)

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

MSRM 2026-NQM7 Due Diligence Narrative Report – PagE \| 6

![](ex993001.jpg)

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

● **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"

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

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**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

● **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).

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**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

● **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).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**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.

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

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

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

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

● For Loans with a Freddie Mac Loan Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

**VALUATION RESULTS SUMMARY**

The table below summarizes the Loans that contained independent third-party valuation product as well as Loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score \*** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 |

---

**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. |

---

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**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

**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. |

---

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**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;59 | &nbsp;&nbsp;71.95% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;28.05% |
| &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;**82** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**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;65 | &nbsp;&nbsp;79.27% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;20.73% |
| &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;**82** | &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;82 | &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;**82** | &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;76 | &nbsp;&nbsp;92.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;7.32% |
| &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;**82** | &nbsp;&nbsp;**100.00%** |

---

MSRM 2026-NQM7 Due Diligence Narrative Report – PagE \| 17

![](ex993001.jpg)

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;82 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$48776408.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$48776408.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;21 | &nbsp;&nbsp;25.61% | &nbsp;&nbsp;$22468199.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;$2051400.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;59 | &nbsp;&nbsp;71.95% | &nbsp;&nbsp;$24256809.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$48776408.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;42 | &nbsp;&nbsp;51.22% | &nbsp;&nbsp;$27815850.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;40 | &nbsp;&nbsp;48.78% | &nbsp;&nbsp;$20960558.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$48776408.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;82 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$48776408.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$48776408.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.66% | &nbsp;&nbsp;$4097500.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;79 | &nbsp;&nbsp;96.34% | &nbsp;&nbsp;$44678908.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$48776408.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

MSRM 2026-NQM7 Due Diligence Narrative Report – PagE \| 18

![](ex993001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;76 | &nbsp;&nbsp;98.68% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;81 | &nbsp;&nbsp;97.53% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;11 | &nbsp;&nbsp;45 | &nbsp;&nbsp;75.56% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;32 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;100.00% |

---

MSRM 2026-NQM7 Due Diligence Narrative Report – PagE \| 19

![](ex993001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;81 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;45 | &nbsp;&nbsp;95.56% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;81 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;36 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;14 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;36 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;33 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;78 | &nbsp;&nbsp;97.44% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;78 | &nbsp;&nbsp;98.72% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;36 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;79 | &nbsp;&nbsp;89.87% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;5 | &nbsp;&nbsp;65 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |

---

MSRM 2026-NQM7 Due Diligence Narrative Report – PagE \| 20

![](ex993001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;67 | &nbsp;&nbsp;97.01% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;9 | &nbsp;&nbsp;38 | &nbsp;&nbsp;76.32% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;8 | &nbsp;&nbsp;24 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;14 | &nbsp;&nbsp;33 | &nbsp;&nbsp;57.58% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

MSRM 2026-NQM7 Due Diligence Narrative Report – PagE \| 21

![](ex993001.jpg)

*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.

MSRM 2026-NQM7 Due Diligence Narrative Report – PagE \| 22

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.3 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 9243498 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9212935 D B A C | Closed | FCRE5790 | 2025-08-14 14:08 | 2025-08-27 12:46 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Debit monitoring XXXX - Seller-08/25/2025 <br> Counter-Received UDM dated XXXX-please provide updated report within 10 days of closing or after. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Debit Monitoring report - Seller-08/19/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Debit monitoring XXXX - Seller-08/25/2025 <br> Ready for Review-Document Uploaded. Debit Monitoring report - Seller-08/19/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 89.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 749. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5181277 |
| XXXX | XXXX | 9212935 D B A C | Closed | finding-3634 | 2025-08-12 16:16 | 2025-08-27 08:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for Rate Lock Extension. Finding resolved. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. rate lock ext - Buyer-08/25/2025 <br> Counter-Received copy of XXXX , provide COC or document from lender for increase of $424.20. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Compliance report - Seller-08/19/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $424.20.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 $424.20 (NC Rate Lock Extension) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $424.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX .<br> - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Compliance report - Seller-08/19/2025<br>| Resolved-Received COC for Rate Lock Extension. Finding resolved. - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 89.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 749. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5152260 |
| XXXX | XXXX | 9212935 D B A C | Closed | FCRE1201 | 2025-08-14 14:14 | 2025-08-20 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Drive report - Seller-08/19/2025 <br>Open-Missing Third Party Fraud Report Fraud Report is missing. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Drive report - Seller-08/19/2025<br>| Resolved-Received fraud report. - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 89.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 749. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5181399 |
| XXXX | XXXX | 9212935 D B A C | Closed | FCRE0112 | 2025-08-14 14:17 | 2025-08-20 11:49 | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_3 | Resolved-Received 1008 - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Final 1008 - Buyer-08/19/2025 <br>Open-Approval/Underwriting Summary Not Provided. 1008 not provided. - Due Diligence Vendor-08/14/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 89.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 749. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5181486 |
| XXXX | XXXX | 9212935 D B A C | Closed | FCOM5135 | 2025-08-13 09:43 | 2025-08-13 09:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/13/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/13/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 89.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 749. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 5159586 |
| XXXX | XXXX | 9956977 D B A | Closed | FCRE1342 | 2025-11-19 23:33 | 2025-11-21 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-After further review, the fico is above 700 and the LTV is below 70%, bank statements not required. - Due Diligence Vendor-11/21/2025 <br>Open-Borrower 1 Business Bank Statements Missing Borrower 1 Business Bank Statements Missing Per guides, the Profit & Loss Only program requires 12- or 24-month P&L (end date <60 days before close) and most recent 2 months bank statements. The bank statements must validate revenue and P&L gross should align to deposits within +/- 10%. If FICO greater than or equal to 700 and LTV ≤70%, then use the P&L net monthly average. Lender to provide most recent 2 months bank statements. Additional conditions may apply pending review. - Due Diligence Vendor-11/20/2025 |  | Resolved-After further review, the fico is above 700 and the LTV is below 70%, bank statements not required. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763<br>Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6314900 |
| XXXX | XXXX | 9956977 D B A | Closed | FCRE0105 | 2025-10-22 10:01 | 2025-11-20 14:39 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Because this is a detached condo, structural engineer inspection is not required. - Seller-10/31/2025 <br>Open-The file does not contain the required structural engineer report per state law. Provide structural engineer report as required. Balconies have wood structure overhang. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Because this is a detached condo, structural engineer inspection is not required. - Seller-10/31/2025<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763<br>Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5970383 |
| XXXX | XXXX | 9956977 D B A | Closed | FCOM1232 | 2025-10-21 10:17 | 2025-11-20 12:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025 <br>Open-The Final 1003 is Missing ----- please provide final 1003 - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763<br>Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5957182 |
| XXXX | XXXX | 9956977 D B A | Closed | finding-3634 | 2025-10-21 11:17 | 2025-11-18 12:07 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD XXXX with lender credit cure disclosed correctly. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. It took some effort but we finally figured out how to update the line on the actual CD in XXXX . Could we get some clarification on the basis for your request? In all other cases of tolerance cures, our past process was sufficient for all parties: Add the amount to Lender Credit on the CD and Provide a detailed explanation comparing amount disclosed, allowed and charged. I've looked through all compliance guidence I could find and haven't found the extra verbiage on the CD to be required, suggested, recommended, etc. I don't mean to be difficult on your requirement, I just want to be able to properly document the update I'll make to our policies & procedures. - Seller-11/18/2025 <br> Counter-Received CD XXXX however, the verbiage "Includes $247.20 for closing costs above legal limit." is missing from section J. Please provide updated CD. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. PCCD generated prior to check being written, has a date of XXXX , but this is the correct CD - Seller-11/17/2025 <br> Counter------Still missing PCCD from date of check XXXX . Please provide. Received LOE, Copy of Check and Shipping label. Finding Remains. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Apologies, here you go. - Seller-11/13/2025 <br> Counter------Please provide the PCCD and copy of the check for the cure. Received the LOE and shipping label. Finding Remains. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. Tolerance cure sent to borrower. Please see attached. - Seller-11/10/2025 <br> Counter------Section B is a Zero Tolerance section, the only time it becomes a 10% tolerance section is when the title fees are moved into it, the only information in section B that is run with the 10% tolerance are the title fees. The Appraisals, Re-inspections, CDA's, Credit Report, Flood Cert, Tax Service and Third-party processing fees are run with a zero-tolerance review. <br> The CDA was added on the CD XXXX for $185.40, which is not mentioned on the COC provided, and then increased to $432.60 on the final CD XXXX . Please provided a COC for this crease of fee, or a PCCD with a credit to the borrower for this fee over legal limits.<br> - Due Diligence Vendor-11/10/2025 <br> Ready for Review-No additional COC is required. While we acknowledge the change in the CDA Review fee, this change occured within section B which allows a 10% tolerance. As well, it should be pointed out that this 10% tolerance applies the affected fees in aggregate--not on an individual fee basis.<br>As previously indicated, The most recent COC dated XXXX (previously attached as supporting documentation to this condition) totals $5464.80 for which the 10% threshold is $6011.28. Since the Final CD shows totals fees in Section B of only $5712. Therefore, the loan is within tolerance. <br>Please call me to discuss XXXX - Seller-11/10/2025 <br> Counter-Please provide COC for additional fee of $432.60 for a CDA that appears as a new fee on the Final CD issued XXXX . Finding remains. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-In reviewing your comments, it almost seems like we're looking at two different sets of documents. In my review of the 2nd COC which also produced the Initial CD on XXXX versus the final CD dated XXXX , I see the following:<br> Section A. Matches to the Penny.<br> Section B. Total costs disclosed at $5464.80 for which 110% equals $6011.28. Since the Final CD shows $5712.00, this is well within tolerance.<br>Now, your comment also references Appraisal Review Charges of $247.20 even though the final CD shows two Appraisal Review charges which only total $185.40 so I'm not sure on what basis you're sourcing the additional $61.80. <br>Finally, the entire comment seems predicated on the claim that changes were made without a valid COC which, as indicated above, was part of the creation of that XXXX Initial CD. Is it possible you're really just asking for a COC document? - Seller-11/07/2025 <br> Counter-----Received COC for appraisal review changes on CD XXXX . Does not cover the changes on Final CD XXXX . ----- Zero (0%) tolerance fees increased by $247.20 (Appraisal Review 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 $247.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires XXXX . - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $648.00.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 $648 (Appraisal Review Fee & Appraisal Recertification) 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 $648, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires XXXX .<br> - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. It took some effort but we finally figured out how to update the line on the actual CD in XXXX . Could we get some clarification on the basis for your request? In all other cases of tolerance cures, our past process was sufficient for all parties: Add the amount to Lender Credit on the CD and Provide a detailed explanation comparing amount disclosed, allowed and charged. I've looked through all compliance guidence I could find and haven't found the extra verbiage on the CD to be required, suggested, recommended, etc. I don't mean to be difficult on your requirement, I just want to be able to properly document the update I'll make to our policies & procedures. - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. PCCD generated prior to check being written, has a date of XXXX , but this is the correct CD - Seller-11/17/2025 <br> Ready for Review-Document Uploaded. Apologies, here you go. - Seller-11/13/2025 <br> Ready for Review-Document Uploaded. Tolerance cure sent to borrower. Please see attached. - Seller-11/10/2025 <br> Ready for Review-No additional COC is required. While we acknowledge the change in the CDA Review fee, this change occured within section B which allows a 10% tolerance. As well, it should be pointed out that this 10% tolerance applies the affected fees in aggregate--not on an individual fee basis.<br>As previously indicated, The most recent COC dated XXXX (previously attached as supporting documentation to this condition) totals $5464.80 for which the 10% threshold is $6011.28. Since the Final CD shows totals fees in Section B of only $5712. Therefore, the loan is within tolerance. <br>Please call me to discuss XXXX - Seller-11/10/2025 <br> Ready for Review-In reviewing your comments, it almost seems like we're looking at two different sets of documents. In my review of the 2nd COC which also produced the Initial CD on XXXX versus the final CD dated XXXX , I see the following:<br> Section A. Matches to the Penny.<br> Section B. Total costs disclosed at $5464.80 for which 110% equals $6011.28. Since the Final CD shows $5712.00, this is well within tolerance.<br>Now, your comment also references Appraisal Review Charges of $247.20 even though the final CD shows two Appraisal Review charges which only total $185.40 so I'm not sure on what basis you're sourcing the additional $61.80. <br>Finally, the entire comment seems predicated on the claim that changes were made without a valid COC which, as indicated above, was part of the creation of that XXXX Initial CD. Is it possible you're really just asking for a COC document? - Seller-11/07/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025 | Cured-Received PCCD XXXX with lender credit cure disclosed correctly. - Due Diligence Vendor-11/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763<br>Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5958255 |
| XXXX | XXXX | 9956977 D B A | Closed | FCRE8887 | 2025-10-21 16:10 | 2025-11-04 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received updated 1003<br> - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/31/2025 <br> Open-Final 1003 provided is not on more recent form XXXX. Please provide final 1003 on the correct form. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/31/2025<br>| Resolved-Received updated 1003<br> - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763<br>Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5963993 |
| XXXX | XXXX | 9956977 D B A | Closed | FCOM5135 | 2025-10-21 10:31 | 2025-10-21 10:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763<br>Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5957376 |
| XXXX |  | 10101095 C A | Closed | FCRE0183 | 2025-12-15 08:57 | 2025-12-17 17:22 | Resolved | 1 - Information C A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-XXXX guidelines do not require a Spousal Consent form. - Due Diligence Vendor-12/17/2025 <br> Open-Idaho requires a Spousal Consent to Pledge form. The required documentation was not identified in the file. - Due Diligence Vendor-12/15/2025 |  | Resolved-XXXX guidelines do not require a Spousal Consent form. - Due Diligence Vendor-12/17/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 769 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 6621234 |
| XXXX |  | 10101097 D A | Closed | FCRE0700 | 2025-12-11 11:39 | 2026-01-07 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Final settlement statement provided. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. FSS provided, please clear finding. - Seller-01/07/2026 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Loan file is missing a final CD, HUD or ALTA settlement statement. Additional conditions may apply. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. FSS provided, please clear finding. - Seller-01/07/2026<br>| Resolved-Final settlement statement provided. - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - LTV is 65%, max allowed is 75% Required is 75 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 680, Borrower has 748 Required is 680 Borrower has 748 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 6586039 |
| XXXX |  | 10100962 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX |  | 10100941 D B A C | Closed | finding-3939 | 2025-12-15 14:14 | 2026-01-06 10:01 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. please find the LE for XXXX - Seller-01/02/2026 <br> Counter------Received duplicate of LE XXXX. Missing LE within 3 business days after the interest rate lock of XXXX. Finding remains. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. please find the LE - Seller-12/22/2025 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XXXX. -----Missing LE within three business days after the interest rate was locked on XXXX - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. please find the LE for XXXX - Seller-01/02/2026 <br> Ready for Review-Document Uploaded. please find the LE - Seller-12/22/2025 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/06/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 762<br>Months Reserves exceed minimum required - 12 months required, borrower has 16 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6629898 |
| XXXX |  | 10100941 D B A C | Closed | FCRE6737 | 2025-12-17 15:14 | 2025-12-24 15:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received LOE - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. please find LOX - Seller-12/22/2025 <br>Open-Lender to obtain an LOX from borrower verifying the transfers from other checking accounts utilized by the underwriter as eligible deposits, did not originate from any account(s) owned by the borrower or borrower's business(es). Additional conditions may apply. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. please find LOX - Seller-12/22/2025<br>| Resolved-Received LOE - Due Diligence Vendor-12/24/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 762<br>Months Reserves exceed minimum required - 12 months required, borrower has 16 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6668837 |
| XXXX |  | 10100941 D B A C | Closed | FCOM1353 | 2025-12-15 13:01 | 2025-12-15 13:01 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-12/15/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-12/15/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 762<br>Months Reserves exceed minimum required - 12 months required, borrower has 16 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6628031 |
| XXXX |  | 10100949 D B C A | Closed | FCRE1506 | 2025-12-18 11:53 | 2026-06-01 11:29 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing compliance documentation. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. le was uploaded. this is the first and only LE - Seller-12/23/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing initial and final Loan Estimates from file - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. le was uploaded. this is the first and only LE - Seller-12/23/2025<br>| Resolved-Received missing compliance documentation. - Due Diligence Vendor-12/29/2025<br>| LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - DTI 14.15% is lower than allowable 50% Required is 50 Borrower has 14.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6686367 |
| XXXX |  | 10100949 D B C A | Closed | finding-3635 | 2025-12-24 08:43 | 2026-01-09 12:57 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Rec'd Additional Details for Services You Can Shop For, Finding resolved. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Please see initial disclosures and clear finding. - Seller-01/09/2026 <br> Counter-----Missing copy of Service Provider list. Please provide to correct the 10% tolerance issue. Finding Remains. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-The tolerance for fees that cannot increase more than 10% does not apply to this transaction. This is a purchase transaction where the borrower chose the service providers XXXX which are not on the XXXX list of service providers given to the borrower with the initial disclosures. Once a borrower chooses their own service providers XXXX is not liable for any increase in fees and the 10% does not apply. Please clear finding. - Seller-01/08/2026 <br> Open-\*\*\*\*\*NEW\*\*\*\*\* Ten (10%) tolerance fees (Title Fees in section C) increased by $132.93 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 $132.93 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX . Missing service provider list for accurate testing. - Due Diligence Vendor-12/24/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,836.73) exceed the comparable charges ($2,458.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. Please see initial disclosures and clear finding. - Seller-01/09/2026 <br> Ready for Review-The tolerance for fees that cannot increase more than 10% does not apply to this transaction. This is a purchase transaction where the borrower chose the service providers XXXX which are not on the XXXX list of service providers given to the borrower with the initial disclosures. Once a borrower chooses their own service providers XXXX is not liable for any increase in fees and the 10% does not apply. Please clear finding. - Seller-01/08/2026 | Resolved-Rec'd Additional Details for Services You Can Shop For, Finding resolved. - Due Diligence Vendor-01/09/2026<br>| LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - DTI 14.15% is lower than allowable 50% Required is 50 Borrower has 14.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6786535 |
| XXXX |  | 10100949 D B C A | Closed | finding-3408 | 2025-12-24 08:43 | 2026-01-09 09:21 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. undiscounted rate 7.5 - Seller-01/07/2026 <br>Open-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; orA 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. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. undiscounted rate 7.5 - Seller-01/07/2026<br>| Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026<br>| LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - DTI 14.15% is lower than allowable 50% Required is 50 Borrower has 14.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6786531 |
| XXXX |  | 10100949 D B C A | Closed | finding-3406 | 2025-12-24 08:43 | 2026-01-09 09:21 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. please find undiscounted rate. - Seller-01/07/2026 <br>Open-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; orThe 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; orThe 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; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe 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. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. please find undiscounted rate. - Seller-01/07/2026<br>| Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026<br>| LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - DTI 14.15% is lower than allowable 50% Required is 50 Borrower has 14.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6786532 |
| XXXX |  | 10100949 D B C A | Closed | finding-3393 | 2025-12-24 08:43 | 2026-01-09 09:21 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. undiscounted rate uploaded 7.5 - Seller-01/07/2026 <br> Open-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 $26,968.00 or more, and the transaction's total points and fees is $14,869.00, which exceeds 5 percent of the total loan amount of XXXX ; orThe loan amount is less than $26,968.00 and the transaction's total points and fees is $14,869.00, which exceeds the lesser of 8 percent of the total loan amount of XXXX or $1,348.00. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. undiscounted rate uploaded 7.5 - Seller-01/07/2026<br>| Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026<br>| LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - DTI 14.15% is lower than allowable 50% Required is 50 Borrower has 14.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6786543 |
| XXXX |  | 10100949 D B C A | Closed | finding-3399 | 2025-12-24 08:43 | 2026-01-09 09:21 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. undiscounted rate 7.5 - Seller-01/07/2026 <br>Open-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; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. undiscounted rate 7.5 - Seller-01/07/2026<br>| Resolved-----Received copy of Undiscounted rate. Finding Resolved. - Due Diligence Vendor-01/09/2026<br>| LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - DTI 14.15% is lower than allowable 50% Required is 50 Borrower has 14.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6786544 |
| XXXX |  | 10100949 D B C A | Closed | FCOM1266 | 2025-12-17 09:38 | 2026-01-09 09:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. please find discl - Seller-12/23/2025 <br>Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. please find discl - Seller-12/23/2025<br>| Resolved-Received Homeownership Counseling Disclosure - Due Diligence Vendor-12/24/2025<br>| LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - DTI 14.15% is lower than allowable 50% Required is 50 Borrower has 14.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6660450 |
| XXXX |  | 10100949 D B C A | Closed | FCOM1252 | 2025-12-17 10:53 | 2025-12-24 09:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received initial LE XXXX. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. LE uploaded for review. - Seller-12/23/2025 <br> Open-Missing initial and final Loan Estimates from file - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. LE uploaded for review. - Seller-12/23/2025<br>| Resolved-Received initial LE XXXX. - Due Diligence Vendor-12/24/2025 | LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - DTI 14.15% is lower than allowable 50% Required is 50 Borrower has 14.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6662134 |
| XXXX |  | 10100949 D B C A | Closed | FCOM1301 | 2025-12-17 09:38 | 2025-12-17 12:02 | 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-12/17/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material findings. - Due Diligence Vendor-12/17/2025<br>| LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - DTI 14.15% is lower than allowable 50% Required is 50 Borrower has 14.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6660449 |
| XXXX |  | 10101116 C A | Closed | FCRE1440 | 2025-12-18 22:08 | 2026-01-05 10:24 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Pay history provided, which confirms 1x30x12. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. payment - Seller-12/22/2025 <br>Open-Housing History Does Not Meet Guideline Requirements, Missing the most recent payment history for the subject property. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. payment - Seller-12/22/2025<br>| Resolved-Pay history provided, which confirms 1x30x12. - Due Diligence Vendor-01/05/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x12 in the past 21 months <br>LTV is less than guideline maximum - LTV 68.89% is lower than maximum 75% Required is 75 Borrower has 68.89<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 702 is higher than the required 620 Required is 620 Borrower has 702 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6698596 |
| XXXX |  | 10101116 C A | Closed | FCRE0184 | 2025-12-18 13:59 | 2025-12-24 15:32 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received cash out purpose LOE. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. LOX - Seller-12/22/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. LOX - Seller-12/22/2025<br>| Resolved-Received cash out purpose LOE. - Due Diligence Vendor-12/24/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 in the past 21 months <br>LTV is less than guideline maximum - LTV 68.89% is lower than maximum 75% Required is 75 Borrower has 68.89<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 702 is higher than the required 620 Required is 620 Borrower has 702 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6689110 |
| XXXX |  | 10101116 C A | Closed | FCRE1510 | 2025-12-18 13:23 | 2025-12-24 15:31 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. dot with legal - Seller-12/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal to the mortgage - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. dot with legal - Seller-12/22/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/24/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 in the past 21 months <br>LTV is less than guideline maximum - LTV 68.89% is lower than maximum 75% Required is 75 Borrower has 68.89<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 702 is higher than the required 620 Required is 620 Borrower has 702 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6688368 |
| XXXX |  | 10101106 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9917867 D A C | Closed | FCRE5770 | 2025-12-18 16:51 | 2025-12-22 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit report. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-12/19/2025 <br> Open-Borrower 1 Credit Report is Missing. Original credit report date XXXX; however, missing from loan file. Only credit report in file is the gap credit report. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received credit report. - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 768<br>LTV is less than guideline maximum - Required is 80 Borrower has 68<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.19 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6693719 |
| XXXX | XXXX | 9917867 D A C | Closed | finding-3635 | 2025-12-17 16:48 | 2025-12-22 08:29 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received CD and COC dated XXXX . Finding Resolved. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-12/19/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($140.00) exceed the comparable charges ($70.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Service Fee) increased by $63.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $63.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX . - Due Diligence Vendor-12/17/2025 |  | Resolved-----Received CD and COC dated XXXX . Finding Resolved. - Due Diligence Vendor-12/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 768<br>LTV is less than guideline maximum - Required is 80 Borrower has 68<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.19 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6670945 |
| XXXX |  | 10101007 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| XXXX |  | 10100969 C A | Closed | finding-3634 | 2025-12-19 12:43 | 2025-12-30 11:18 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received COC for increase in Fees. Finding Resolved. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. coc for review. - Seller-12/26/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,487.39.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 $1,487.39 (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 $1,487.39, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX .<br> - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. coc for review. - Seller-12/26/2025<br>| Resolved-----Received COC for increase in Fees. Finding Resolved. - Due Diligence Vendor-12/30/2025<br>| LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.32 Required is 50 Borrower has 10.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737 Required is 680 Borrower has 737 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6708070 |
| XXXX |  | 10101511 D A | Closed | FCRE1334 | 2025-12-22 15:41 | 2025-12-30 16:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received Signed 4506-C - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. 4506C - Seller-12/26/2025 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. 4506C - Seller-12/26/2025<br>| Resolved-Received Signed 4506-C - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 804<br>LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.83 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6745411 |
| XXXX |  | 10101511 D A | Closed | FCRE1510 | 2025-12-19 11:20 | 2025-12-30 16:47 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. dot - Seller-12/26/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. dot - Seller-12/26/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 804<br>LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.83 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6706195 |
| XXXX |  | 10100964 D A | Closed | FCRE1316 | 2025-12-23 13:37 | 2025-12-31 16:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B1 - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. This is a 12-month document type, so 2 years verification is not required.please clear - Seller-12/30/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide the required VVOE for current and prior employment to cover 2yrs employment history for borrower 1 - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. This is a 12-month document type, so 2 years verification is not required.please clear - Seller-12/30/2025<br>| Resolved-Received VVOE for B1 - Due Diligence Vendor-12/31/2025<br>| LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 761 is higher than the required 660 Required is 660 Borrower has 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6766522 |
| XXXX |  | 10100964 D A | Closed | FCRE1317 | 2025-12-23 13:37 | 2025-12-31 16:02 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received WVOe for 1 year employment and application reflects 24 months - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. This is a 12-month document type, so 2 years verification is not required. please clear. - Seller-12/30/2025 <br>Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Provide the required VVOE for current and prior employment to cover 2yrs employment history for borrower 1 - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. This is a 12-month document type, so 2 years verification is not required. please clear. - Seller-12/30/2025<br>| Resolved-Received WVOe for 1 year employment and application reflects 24 months - Due Diligence Vendor-12/31/2025<br>| LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 761 is higher than the required 660 Required is 660 Borrower has 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6766523 |
| XXXX |  | 10101055 C B A | Closed | FCRE1198 | 2025-12-29 15:31 | 2025-12-29 23:03 | 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-12/30/2025 <br>Open-Audited Reserves of 11.62 month(s) are less than Guideline Required Reserves of 12 month(s) Lender exception to allow 11.5 months of reserves, 12 months required, noting borrower has shown the ability to save money/assets in the past year, totaling over $150,000 over 12 months. - Due Diligence Vendor-12/29/2025 |  | Waived-Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730<br>LTV is less than guideline maximum - Required is 90 Borrower has 85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.48 | DTI is more than 14% below max of 50%<br> LTV is 5% below max of 90%<br> FICO score is 30 points below minimum of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6840122 |
| XXXX |  | 10101114 D A | Closed | FCRE0700 | 2025-12-30 16:19 | 2026-01-14 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Final settlement statement provided. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. FSS for review please clear. - Seller-01/13/2026 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing final settlement statement; the file only contains an estimated settlement statement which only reflects the buyers side of the transaction. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. FSS for review please clear. - Seller-01/13/2026<br>| Resolved-Final settlement statement provided. - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 6860904 |
| XXXX |  | 10101114 D A | Closed | FCRE0197 | 2025-12-30 15:34 | 2026-01-14 14:23 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Seller settlement statement provided. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. final seller cd please clear. - Seller-01/13/2026 <br>Open-The Final SELLER CD/HUD is missing. The estimated settlement statement in file is only the buyer's side. The seller's side was not identified in the file. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. final seller cd please clear. - Seller-01/13/2026<br>| Resolved-Seller settlement statement provided. - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 6860128 |
| XXXX | XXXX | 10026837 D A | Closed | FCRE1326 | 2025-12-29 14:38 | 2026-01-16 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-After further review, a P&L is not required. There is no income on the 1065. Only rental income from 8825 and depreciation was used. - Due Diligence Vendor-01/16/2026 <br> Open-Borrower 1 YTD Profit & Loss Missing Missing YTD P&L for 2025 for XXXX completed by CPA, CTEC or EA for all three borrowers to ensure losses do not exceed prior year. - Due Diligence Vendor-12/29/2025 |  | Resolved-After further review, a P&L is not required. There is no income on the 1065. Only rental income from 8825 and depreciation was used. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.65 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 6838888 |
| XXXX | XXXX | 10026837 D A | Closed | FCRE2244 | 2025-12-29 13:53 | 2026-01-06 13:19 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received revised appraisal. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-01/02/2026 <br>Open-Property Issues are identified for the property Appraisal sketch is missing the 1/2 bath on floor plan - Due Diligence Vendor-12/29/2025 |  | Resolved-Received revised appraisal. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 6838085 |
| XXXX | XXXX | 10026837 D A | Closed | FCRE1296 | 2025-12-29 14:38 | 2026-01-06 13:18 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 5 Months Income Verified is Missing | Resolved-Received PITI 3e - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-01/02/2026 <br> Open-Income 5 Months Income Verified is Missing Missing taxes and insurance info for REO 3E (XXXX) - Due Diligence Vendor-12/29/2025 |  | Resolved-Received PITI 3e - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 6838891 |
| XXXX | XXXX | 10026837 D A | Closed | FCRE1510 | 2025-12-24 09:10 | 2025-12-31 11:29 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/30/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-12/30/2025<br>| Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 6786897 |
| XXXX |  | 10100979 D B C A | Closed | FCRE0044 | 2026-01-02 14:26 | 2026-01-15 15:53 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. please find LOX for review please clear. - Seller-01/13/2026 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. please find LOX for review please clear. - Seller-01/13/2026<br>| Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 779 is higher than the required 720 Required is 720 Borrower has 779<br>Qualifying DTI below maximum allowed - DTI 17.51% is lower than allowable 50% Required is 50 Borrower has 17.51 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6900269 |
| XXXX |  | 10100979 D B C A | Closed | FCRE1510 | 2026-01-02 11:56 | 2026-01-15 15:51 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. please find the dot with legal - Seller-01/13/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal to the mortgage - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. please find the dot with legal - Seller-01/13/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 779 is higher than the required 720 Required is 720 Borrower has 779<br>Qualifying DTI below maximum allowed - DTI 17.51% is lower than allowable 50% Required is 50 Borrower has 17.51 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6896570 |
| XXXX |  | 10100979 D B C A | Closed | finding-3532 | 2025-12-31 11:27 | 2026-01-15 08:40 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Received evidence of receipt for initial CD XXXX. FInding resolved. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. initial CD for review, please clear. - Seller-01/13/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -------Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. initial CD for review, please clear. - Seller-01/13/2026<br>| Resolved------Received evidence of receipt for initial CD XXXX. FInding resolved. - Due Diligence Vendor-01/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 779 is higher than the required 720 Required is 720 Borrower has 779<br>Qualifying DTI below maximum allowed - DTI 17.51% is lower than allowable 50% Required is 50 Borrower has 17.51 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6875202 |
| XXXX |  | 10100979 D B C A | Closed | FPRO1253 | 2026-01-02 12:23 | 2026-01-02 14:35 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-AVM provided with a low confidence score. Guidelines do not have a minimum AVM score requirement. May result in pricing adjustment - Due Diligence Vendor-01/02/2026 <br>Open-AVM provided with a low confidence score. Guidelines do not have a minimum AVM score requirement. May result in pricing adjustment - Due Diligence Vendor-01/02/2026 |  | Resolved-AVM provided with a low confidence score. Guidelines do not have a minimum AVM score requirement. May result in pricing adjustment - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 779 is higher than the required 720 Required is 720 Borrower has 779<br>Qualifying DTI below maximum allowed - DTI 17.51% is lower than allowable 50% Required is 50 Borrower has 17.51 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6897313 |
| XXXX |  | 10100979 D B C A | Closed | FCOM1353 | 2026-01-02 09:07 | 2026-01-02 09:23 | 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'). Originator waiver applied to non-material findings. - Due Diligence Vendor-01/02/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material findings. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 779 is higher than the required 720 Required is 720 Borrower has 779<br>Qualifying DTI below maximum allowed - DTI 17.51% is lower than allowable 50% Required is 50 Borrower has 17.51 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6891979 |
| XXXX |  | 10101053 C A | Closed | finding-3634 | 2025-12-31 11:41 | 2026-01-21 12:46 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. The appraisal re-inspection fee was deemed necessary after the full appraisal was received made "Subject To" completion per plans and specs. The appraisal was received by XXXX (See screenshot from LOS system). As such, the addition of the reinspection fee was necessary and was documented and disclosed to the borrower timely. Please clear finding. - Seller-01/20/2026 <br> Counter------Receiveed COC XXXX for increase in appraisal re-inspection with no explanation of fee increase. Increase for appraisal re-inspection on LE XXXX. Finding remains. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. please find the coc - Seller-01/14/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $150.00.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 $150.00 (Appraisal Reinspection) 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 $150.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. The appraisal re-inspection fee was deemed necessary after the full appraisal was received made "Subject To" completion per plans and specs. The appraisal was received by XXXX (See screenshot from LOS system). As such, the addition of the reinspection fee was necessary and was documented and disclosed to the borrower timely. Please clear finding. - Seller-01/20/2026 <br> Ready for Review-Document Uploaded. please find the coc - Seller-01/14/2026 | Resolved-Received COC. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.66 Required is 50 Borrower has 10.66<br>LTV is less than guideline maximum - Required is 85 Borrower has 61.28 Required is 85 Borrower has 61.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 759 Required is 640 Borrower has 759 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6875872 |
| XXXX |  | 10101053 C A | Closed | FCRE1440 | 2026-01-02 10:48 | 2026-01-20 17:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Borrower is living rent free and meets the tradeline requirements for borrowers without a housing history. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-this is incorrect this is not needed per guides please clear. - Seller-01/16/2026 <br> Counter-Missing acceptable VOR for XXXX and confirmation of rent free previously. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. The GL do not require for a rent-free letter and per GL, bwr's with no housing history require one tradeline with a $5000 high credit limit, which the borrower has met. please find the DT for both addresses. <br>- Seller-01/14/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per the final application the borrower states their previous addresses were XXXX for 6 months which was rented with no rent payment listed and XXXX for the prior 3 years with no primary housing expense. No verification of rent or rent free letter was identified in the file. - Due Diligence Vendor-01/02/2026 | Ready for Review-this is incorrect this is not needed per guides please clear. - Seller-01/16/2026 <br>Ready for Review-Document Uploaded. The GL do not require for a rent-free letter and per GL, bwr's with no housing history require one tradeline with a $5000 high credit limit, which the borrower has met. please find the DT for both addresses. <br>- Seller-01/14/2026<br>| Resolved-Borrower is living rent free and meets the tradeline requirements for borrowers without a housing history. - Due Diligence Vendor-01/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.66 Required is 50 Borrower has 10.66<br>LTV is less than guideline maximum - Required is 85 Borrower has 61.28 Required is 85 Borrower has 61.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 759 Required is 640 Borrower has 759 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6893943 |
| XXXX |  | 10101053 C A | Closed | FCRE0044 | 2026-01-02 13:50 | 2026-01-16 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. please find the LOX - Seller-01/14/2026 <br>Open-LOX for credit inquiries is missing. LOX for credit inquiries is missing. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. please find the LOX - Seller-01/14/2026<br>| Resolved-Received credit inquiry LOE. - Due Diligence Vendor-01/16/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.66 Required is 50 Borrower has 10.66<br>LTV is less than guideline maximum - Required is 85 Borrower has 61.28 Required is 85 Borrower has 61.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 759 Required is 640 Borrower has 759 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 6899557 |
| XXXX |  | 10101028 C B A | Closed | FCRE1194 | 2026-01-29 17:26 | 2026-01-29 17:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Document Uploaded. Originator exception granted to allow 5% LTV exception due to being 2x30. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/29/2026 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 65% - Due Diligence Vendor-01/29/2026 |  | Waived-Document Uploaded. Originator exception granted to allow 5% LTV exception due to being 2x30. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/29/2026<br>| Qualifying DTI below maximum allowed - DTI 28.95% is lower than allowable 50% Required is 50 Borrower has 28.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 650 Required is 620 Borrower has 650 | DTI of 29.50%<br> 7 years on the job | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7360686 |
| XXXX |  | 10101028 C B A | Closed | FCRE1196 | 2026-01-29 17:26 | 2026-01-29 17:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Issued under LTV - Due Diligence Vendor-01/29/2026 <br>Open-Audited HLTV of 70% exceeds Guideline HCLTV of 65% issued under LTV - Due Diligence Vendor-01/29/2026 |  | Resolved-Issued under LTV - Due Diligence Vendor-01/29/2026<br>| Qualifying DTI below maximum allowed - DTI 28.95% is lower than allowable 50% Required is 50 Borrower has 28.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 650 Required is 620 Borrower has 650 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7360685 |
| XXXX |  | 10101028 C B A | Closed | FCRE7810 | 2026-01-07 15:04 | 2026-01-20 12:47 | Resolved | 1 - Information C A | Credit | Title | Title issue | Resolved-Statement of Authority provided confirming the borrower is the trustee of the trust. - Due Diligence Vendor-01/20/2026 <br> Counter-Received Statement of Authority. Missing Trust of vested entity. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Per item 9 the Statement of Authority of record shows XXXX is the authorized to sign any document as Trustee of the Trust, copy provided. Please clear finding. - Seller-01/14/2026 <br> Open-Missing copy of trust documents for XXXX current vested per title to link to borrower. Additional conditions may apply. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Per item 9 the Statement of Authority of record shows XXXX is the authorized to sign any document as Trustee of the Trust, copy provided. Please clear finding. - Seller-01/14/2026 | Resolved-Statement of Authority provided confirming the borrower is the trustee of the trust. - Due Diligence Vendor-01/20/2026<br>| Qualifying DTI below maximum allowed - DTI 28.95% is lower than allowable 50% Required is 50 Borrower has 28.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 650 Required is 620 Borrower has 650 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6967440 |
| XXXX |  | 10100982 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA |  |  |  |
| XXXX |  | 10101112 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| XXXX |  | 10101030 D A C | Closed | FCRE0180 | 2026-01-08 16:31 | 2026-02-27 14:36 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-State notary requirements were met for XXXX county. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. this is not required please see recorded dot and clear. - Seller-01/26/2026 <br> Counter-Received duplicate copy of security instrument. Missing witness signature. Title to confirm acceptable as is. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. please find the legal docs signed executed - Seller-01/21/2026 <br> Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. Missing required witness signature(s) - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. this is not required please see recorded dot and clear. - Seller-01/26/2026 <br>Ready for Review-Document Uploaded. please find the legal docs signed executed - Seller-01/21/2026<br>| Resolved-State notary requirements were met for XXXX county. - Due Diligence Vendor-01/26/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6993675 |
| XXXX |  | 10101030 D A C | Closed | FPRO1255 | 2026-01-08 10:05 | 2026-02-27 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire addendum was provided and meets the special assessment guidelines. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. please find condo questionnaire addendum - Seller-01/26/2026 <br>Counter-Received HOA questionnaire. #29 indicates special assessment but does not provide subject obligation. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. condo q for review. - Seller-01/21/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing condo questionnaire only email on the some question pg 826 - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. please find condo questionnaire addendum - Seller-01/26/2026 <br>Ready for Review-Document Uploaded. condo q for review. - Seller-01/21/2026<br>| Resolved-The HOA Questionnaire addendum was provided and meets the special assessment guidelines. - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6982743 |
| XXXX |  | 10101030 D A C | Closed | FCRE1325 | 2026-01-08 16:53 | 2026-01-27 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Fixed expense factor was used per guidelines and the operating agreement was in file and XXXX provided showing active. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. sorry please find business doc - Seller-01/26/2026 <br> Counter-A copy of an articles of organization was provided for a different business not used for income. Unable to clear. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. proof of ownership with LLC - Seller-01/26/2026 <br> Counter-Received bank statement analysis. Provide acceptable documentation supporting percentage of ownership, length of 30% expense factor. LOE received does not provide detail supporting seasonal deposits. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. CPA letter is not required for guides, the income worksheet shows 30% expense factor and the LOE explains the seasonal income please clear. - Seller-01/21/2026 <br> Open-Borrower 1 CPA Letter Missing Missing a signed CPA letter on preparers letterhead providing the percentage of ownership the borrower has in the business, expense factor for the business and to comment if its typical for the business not to have any deposits or being paid 7 out of 12 months during the duration of the year. It must explain the tax prepares relationship to the business and provide their license # - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. sorry please find business doc - Seller-01/26/2026 <br>Ready for Review-Document Uploaded. proof of ownership with LLC - Seller-01/26/2026 <br>Ready for Review-Document Uploaded. CPA letter is not required for guides, the income worksheet shows 30% expense factor and the LOE explains the seasonal income please clear. - Seller-01/21/2026<br>| Resolved-Fixed expense factor was used per guidelines and the operating agreement was in file and XXXX provided showing active. - Due Diligence Vendor-01/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6994046 |
| XXXX |  | 10101030 D A C | Closed | FCRE9488 | 2026-01-08 17:21 | 2026-01-26 17:01 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Occupancy supported with utility bill in spouse's name. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-these bills are in the co borrower name, which satisfies the requirement please clear. - Seller-01/26/2026 <br> Counter-Received 1 month in another party name. Original finding remains. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. please find loe and bills. - Seller-01/21/2026 <br> Open-Missing copies of most recent 2 months cell phone, cable/satellite tv, or internet bills in borrowers personal name to support occupancy at XXXX - Due Diligence Vendor-01/08/2026 | Ready for Review-these bills are in the co borrower name, which satisfies the requirement please clear. - Seller-01/26/2026 <br>Ready for Review-Document Uploaded. please find loe and bills. - Seller-01/21/2026<br>| Resolved-Occupancy supported with utility bill in spouse's name. - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6994457 |
| XXXX |  | 10101030 D A C | Closed | FCRE1202 | 2026-01-08 10:24 | 2026-01-26 16:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report was provided. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. fraud report - Seller-01/26/2026 <br>Counter-Received Uniform Disclosure Statement. Please provide complete fraud report. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. please find the third party - Seller-01/21/2026 <br>Open-Third Party Fraud Report Partially Provided Provide all the pages to the Fraud report - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. fraud report - Seller-01/26/2026 <br>Ready for Review-Document Uploaded. please find the third party - Seller-01/21/2026<br>| Resolved-Third Party Fraud Report was provided. - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6983502 |
| XXXX |  | 10101030 D A C | Closed | FCRE1148 | 2026-01-08 09:51 | 2026-01-23 08:52 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. prelim please clear. - Seller-01/21/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. prelim please clear. - Seller-01/21/2026<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6981323 |
| XXXX |  | 10101030 D A C | Closed | finding-3634 | 2026-01-06 14:03 | 2026-01-22 07:59 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC, finding resolved. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. transfer tax coc - Seller-01/21/2026 <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 $4,941.00.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 $66 (Transfer Taxes) without a valid COC in file. Final CD provided a $24 credit for increases in closing costs. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $42, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. transfer tax coc - Seller-01/21/2026<br>| Resolved-Received COC, finding resolved. - Due Diligence Vendor-01/22/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 664 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6941273 |
| XXXX |  | 10026498 B A | Closed | FCRE0104 | 2026-01-13 13:48 | 2026-01-13 13:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-01/13/2026 |  | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-01/13/2026<br>| LTV is less than guideline maximum - Maximum LTV allowed is 70% - actual LTV is 51.72%. Required is 70 Borrower has 51.72<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 660 - actual FICO score 695. Required is 660 Borrower has 695 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7070814 |
| XXXX |  | 10101021 D B C A | Closed | FCRE1193 | 2026-01-12 16:41 | 2026-01-27 12:27 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After further review, the max DTI is 55%. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-The bonus should be $4333 rather than $4666.<br>By averaging the XXXX and XXXX, the DTI will jump to 50.4 and the borrower would still qualify for the program. please clear. <br>- Seller-01/26/2026 <br> Open-Lender took 12 mos average of bonus income. Audit averaged bonus over YTD, XXXX and XXXX. Audit's bonus amount is lower - Due Diligence Vendor-01/12/2026 | Ready for Review-The bonus should be $4333 rather than $4666.<br>By averaging the XXXX and XXXX, the DTI will jump to 50.4 and the borrower would still qualify for the program. please clear. <br>- Seller-01/26/2026 | Resolved-After further review, the max DTI is 55%. - Due Diligence Vendor-01/27/2026<br>| Verified employment history exceeds guidelines - 39 years on the job. <br>Long term residence - 21 years at residence |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7050540 |
| XXXX |  | 10101021 D B C A | Closed | FCRE1316 | 2026-01-12 11:29 | 2026-01-27 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE provided. - Due Diligence Vendor-01/27/2026 <br> Counter-Received VOI dated XXXX reflecting borrower on leave. Received processor cert confirming borrower no longer on leave. Missing leave dates. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. please find the VOE, bwr was on leave but is not on leave anymore please clear. - Seller-01/22/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing a VVOE dated within 10 days of closing (most recent paystub identified in file, but dated 11 days from closing) - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. please find the VOE, bwr was on leave but is not on leave anymore please clear. - Seller-01/22/2026<br>| Resolved-VOE provided. - Due Diligence Vendor-01/27/2026<br>| Verified employment history exceeds guidelines - 39 years on the job. <br>Long term residence - 21 years at residence |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7043971 |
| XXXX |  | 10101021 D B C A | Closed | FCRE1197 | 2026-01-12 13:46 | 2026-01-14 14:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted, waiver applied with comp factors. Left as material since loan has a DTI issue - Due Diligence Vendor-01/12/2026 <br>Open-Audited FICO of 662 is less than Guideline FICO of 680 Fico does not meet requirements -- Exception was identified in the file -- page 734 - Due Diligence Vendor-01/12/2026 |  | Waived-Originator exception granted, waiver applied with comp factors. Left as material since loan has a DTI issue - Due Diligence Vendor-01/12/2026<br>| Verified employment history exceeds guidelines - 39 years on the job. <br>Long term residence - 21 years at residence | XXXX |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7046995 |
| XXXX |  | 10101500 D A | Closed | FCRE5782 | 2026-01-13 21:17 | 2026-01-28 17:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. please find the UDM - Seller-01/26/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. please find the UDM - Seller-01/26/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-01/28/2026<br>| LTV is less than guideline maximum - LTV 67.31% is lower than maximum 80% Required is 80 Borrower has 67.31<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 720 is higher than the required 620 Required is 620 Borrower has 720 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7077888 |
| XXXX |  | 10101102 C B A | Closed | FCRE1194 | 2026-01-13 17:20 | 2026-01-27 17:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Confirmed the borrower contributed 5% of his own funds. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. We structured this file as a gift of equity since it was from a family member. Our guidelines say that for a gift of equity, the max LTV is to be reduced 10% - which put us at 70% because the borrowers score qualified for max LTV of 80%, if the transaction were not a gift of equity. Please see #5, states 'as no cash down payment is made in a gift of equity transaction, the borrower must pay all closing costs (unless the LTV is 60% or less). Also wanted to mention the borrower closing cost were XXXX<br>XXXX<br> - Seller-01/27/2026 <br> Counter-Received LOE. Review of guideline indicate 5% of borrower funds required. Finding remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. please find the following that allow 70% LTV - Seller-01/20/2026 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 60% 10% reduction in LTV as Borrower did not have 5% own funds into transaction (XXXX) with using Gift of Equity and total funds required for closing of XXXX. Also, 10% reduction in LTV for non-arms length transaction. This reduces the max LTV from 80% to 60%. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. We structured this file as a gift of equity since it was from a family member. Our guidelines say that for a gift of equity, the max LTV is to be reduced 10% - which put us at 70% because the borrowers score qualified for max LTV of 80%, if the transaction were not a gift of equity. Please see #5, states 'as no cash down payment is made in a gift of equity transaction, the borrower must pay all closing costs (unless the LTV is 60% or less). Also wanted to mention the borrower closing cost were $30452.89<br>XXXX<br> - Seller-01/27/2026 <br> Ready for Review-Document Uploaded. please find the following that allow 70% LTV - Seller-01/20/2026 | Resolved-Confirmed the borrower contributed 5% of his own funds. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733<br>On time mortgage history exceeds guideline requirement - 47 months paid as agreed mortgage history |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7074957 |
| XXXX |  | 10101102 C B A | Closed | FCRE0969 | 2026-01-13 15:43 | 2026-01-14 12:24 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law, a prepayment penalty is not permitted to be charged to an LLC. <br> Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/13/2026 |  | Waived-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law, a prepayment penalty is not permitted to be charged to an LLC. <br> Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733<br>On time mortgage history exceeds guideline requirement - 47 months paid as agreed mortgage history |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Investor Post-Close | No | 7073555 |
| XXXX |  | 10101110 C A | Closed | FCRE1510 | 2026-01-15 09:56 | 2026-01-22 10:01 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. dot with legal - Seller-01/20/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. dot with legal - Seller-01/20/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 640 Required is 640 Borrower has 752<br>Months Reserves exceed minimum required - 40.32 months reserves exceed required 6 by 34.32 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7109025 |
| XXXX |  | 10101518 D A | Closed | FCRE1440 | 2026-01-16 07:52 | 2026-01-27 12:24 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history ratings must be obtained for the subject property and the borrower's primary residence only. - Due Diligence Vendor-01/27/2026 <br> Counter-Guidelines state for Private Party mortgages - Requires that the mortgage history be documented with twelve (12) months cancelled checks front and back. If paid by cashiers or postal checks, copies of the past twelve (12) months are required. Receipts for cash payments are generally not acceptable. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Per guidelines ratings are required on all mortgages listed on the credit report along with primary and subject. The mortgage for the investment property in question is not shown in the credit report. Please clear finding. - Seller-01/21/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Property 3d is missing verification of mortgage payments from XXXX to XXXX. Additional stipulations may apply. - Due Diligence Vendor-01/16/2026 | Ready for Review-Per guidelines ratings are required on all mortgages listed on the credit report along with primary and subject. The mortgage for the investment property in question is not shown in the credit report. Please clear finding. - Seller-01/21/2026<br>| Resolved-Housing history ratings must be obtained for the subject property and the borrower's primary residence only. - Due Diligence Vendor-01/27/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 72.97 Required is 80 Borrower has 72.97<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7133598 |
| XXXX |  | 10101518 D A | Closed | FCRE1334 | 2026-01-16 07:38 | 2026-01-22 18:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506-C - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Executed 4506C provided, please clear finding. - Seller-01/21/2026 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing The 4506-C was not identified in the file. This is required as the loan is full doc and transcripts were present in the file. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. Executed 4506C provided, please clear finding. - Seller-01/21/2026<br>| Resolved-Received 4506-C - Due Diligence Vendor-01/22/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 72.97 Required is 80 Borrower has 72.97<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7132979 |
| XXXX |  | 10101518 D A | Closed | FCRE1437 | 2026-01-16 08:07 | 2026-01-22 18:32 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received 2 months bank statements showing the deposits. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. $1200 rent deposit from XXXX highlighted on both bank statements. Please clear finding. - Seller-01/21/2026 <br> Open-Income and Employment Do Not Meet Guidelines Proof of receipt of $1,200 in rental income for 2 months for property 3c was not identified in the file. The loan is structured with these payments washing a portion of the mortgage debt for this property. Copies of the most recent 2 months receipt of $1,200 for this property are required to give the borrower credit for the rent payments. If the 2 months rent verification cannot be obtained additional stipulations may apply. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. $1200 rent deposit from XXXX highlighted on both bank statements. Please clear finding. - Seller-01/21/2026 | Resolved-Received 2 months bank statements showing the deposits. - Due Diligence Vendor-01/22/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 72.97 Required is 80 Borrower has 72.97<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7133784 |
| XXXX |  | 10110814 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 10104472 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| XXXX |  | 10110855 C B A | Closed | FCRE1254 | 2026-01-27 12:58 | 2026-02-10 09:33 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Document Uploaded. Email from title received from title confirming #12-#24-#26-#28 have been removed/cleared - Due Diligence Vendor-02/10/2026 <br> Counter-Received duplicate preliminary Title with Marks on noted requirements. Missing Final Title confirming omitted or an email from Title confirming all noted issues have been addressed. Finding remains. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. See uploaded: In lieu of title supplement, title provided marked up prelim confirming items 12, 24, 26, & 28 will be removed from final title policy. - Seller-02/04/2026 <br> Open-Property Title Issue The file does not contain any documentation to support that the following title requirements have been cleared:XXXX- Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. See uploaded: In lieu of title supplement, title provided marked up prelim confirming items 12, 24, 26, & 28 will be removed from final title policy. - Seller-02/04/2026<br>| Resolved-Document Uploaded. Email from title received from title confirming #12-#24-#26-#28 have been removed/cleared - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 716 Required is 680 Borrower has 716<br>LTV is less than guideline maximum - Required is 70 Borrower has 51.92 Required is 70 Borrower has 51.92 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7315849 |
| XXXX |  | 10110855 C B A | Closed | FCRE0969 | 2026-01-27 13:30 | 2026-01-29 11:41 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-01/27/2026 |  | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 716 Required is 680 Borrower has 716<br>LTV is less than guideline maximum - Required is 70 Borrower has 51.92 Required is 70 Borrower has 51.92 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7316438 |
| XXXX | XXXX | 10146803 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 10110697 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 10099443 C B A | Closed | FCRE0969 | 2026-02-06 16:18 | 2026-02-06 16:54 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/06/2026 <br> Open-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law a prepayment penalty is not permitted to be charged to and closed in an LLC. - Due Diligence Vendor-02/06/2026 |  | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/06/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 7498922 |
| XXXX | XXXX | 10104467 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 10088637 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 10088638 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| XXXX |  | 10110847 C B A | Closed | FCRE1232 | 2026-02-06 12:19 | 2026-02-24 14:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator provided a waiver for DSCR < 1.15, applied to non material finding with comp factors - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. uploaded PC exception - Seller-02/20/2026 <br>Open-The Calculated DSCR of '1.059' is less than the minimum DSCR per lender guidelines of '1.15'. Minimum DSCR required for ownership less than 6 months is 1.15. - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. uploaded PC exception - Seller-02/20/2026<br>| Waived-Originator provided a waiver for DSCR < 1.15, applied to non material finding with comp factors - Due Diligence Vendor-02/24/2026<br>| Months Reserves exceed minimum required - 113.99 months PITIA reserves; 9 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 752 min score 700. Required is 700 Borrower has 752 | Fico > 10 pts. Minimal consumer debt, PC Reserves | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7492537 |
| XXXX |  | 10110847 C B A | Closed | FCRE0108 | 2026-02-06 16:15 | 2026-02-10 09:24 | Resolved | 1 - Information C A | Credit | Insurance | XXXX Coverage not met | Resolved-Received insurance policy. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. uploaded master policy showing fidelity included - Seller-02/09/2026 <br> Open-XXXX Coverage not met. - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. uploaded master policy showing XXXX included - Seller-02/09/2026 | Resolved-Received insurance policy. - Due Diligence Vendor-02/10/2026<br>| Months Reserves exceed minimum required - 113.99 months PITIA reserves; 9 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 752 min score 700. Required is 700 Borrower has 752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7498816 |
| XXXX |  | 10110765 C A | Closed | FCRE1440 | 2026-02-10 12:36 | 2026-03-11 14:08 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received missing payment history. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Please see uploaded mortgage payments for XXXX Oct, Nov & Dec payments XXXX Dec payment. - Seller-03/09/2026 <br> Open-Housing History Does Not Meet Guideline Requirements- Missing mortgage payment being made for Reo 3a XXXX payment, Reo 3c missing mortgage payment being made for 10/1 , 11/1 and 12/1 for XXXX. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Please see uploaded mortgage payments for XXXX - Seller-03/09/2026 | Resolved-Received missing payment history. - Due Diligence Vendor-03/11/2026<br>| Qualifying DTI below maximum allowed - DTI 30.26% max 50%. Required is 50 Borrower has 30.26<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 785 min score 700. Required is 680 Borrower has 785 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 7541030 |
| XXXX | XXXX | 10146800 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 10151247 D B A | Closed | FCRE1241 | 2026-02-10 10:11 | 2026-02-18 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Client provided all pages to Sales Contract - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-02/11/2026 <br>Open-Missing fully executed Purchase agreement for subject, inclusive of all addendums & riders. Other findings may apply. - Due Diligence Vendor-02/11/2026 |  | Resolved-Client provided all pages to Sales Contract - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7535938 |
| XXXX | XXXX | 10151247 D B A | Closed | FCRE1198 | 2026-02-10 10:30 | 2026-02-13 07:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Client provided XXXX which EMD Cleared in the amount of $3,000 check provided - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-02/11/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Missing satisfactory documentation evidencing sufficient funds to meet minimum reserve requirements; including, but not limited to assets listed on borrower's final loan application and source of funds reflected on final Closing Disclosure. - Due Diligence Vendor-02/10/2026 |  | Resolved-Client provided XXXX which EMD Cleared in the amount of $3,000 check provided - Due Diligence Vendor-02/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7536457 |
| XXXX | XXXX | 10151247 D B A | Closed | FCRE9501 | 2026-02-10 10:22 | 2026-02-13 07:51 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Client provided XXXX as well as copy of EMD which cleared on XXXX statement - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-02/11/2026 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Missing satisfactory documentation evidencing sufficient funds to meet minimum closing cost requirements; including, but not limited to assets listed on borrower's final loan application and source of funds reflected on final Closing Disclosure. Other findings may apply. - Due Diligence Vendor-02/10/2026 |  | Resolved-Client provided XXXX as well as copy of EMD which cleared on XXXX statement - Due Diligence Vendor-02/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7536259 |
| XXXX | XXXX | 10151247 D B A | Closed | FCRE8701 | 2026-02-10 09:48 | 2026-02-13 07:45 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Formation Document. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Supporting docs - Seller-02/11/2026 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing corporate documents, including, but not limited to Articles of Incorporation, Operating Agreement, Formation, Department of Corporations Active/Good Standing, Borrowing Certification, EIN for the following business: XXXX. Other findings may apply upon review of missing documents. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Supporting docs - Seller-02/11/2026<br>| Resolved-Received Business Entity Formation Document. - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7535348 |
| XXXX | XXXX | 10151247 D B A | Closed | FCRE0112 | 2026-02-10 10:27 | 2026-02-13 07:41 | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_3 | Resolved-Client provided 1008 - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-02/11/2026 <br>Open-Approval/Underwriting Summary Not Provided. Missing lender required copy of the final loan approval or 1008. - Due Diligence Vendor-02/10/2026 |  | Resolved-Client provided 1008 - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7536342 |
| XXXX | XXXX | 10151247 D B A | Closed | FCRE0043 | 2026-02-10 10:27 | 2026-02-13 07:40 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Client provided DSCR Calculation, matches - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. DSCR - Buyer-02/11/2026 <br>Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-02/10/2026 |  | Resolved-Client provided DSCR Calculation, matches - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7536341 |
| XXXX | XXXX | 10151247 D B A | Closed | FCRE0969 | 2026-02-10 08:52 | 2026-02-11 11:51 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Per XXXX a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/11/2026 |  | Waived-Per XXXX a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Investor Post-Close | No | 7534152 |
| XXXX | XXXX | 10110701 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 10156813 D A | Closed | FCRE1509 | 2026-02-19 16:59 | 2026-02-26 16:43 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Client provide PP Addendum - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-02/20/2026 <br>Open-There are Issues Present on the Note that must be addressed. The final CD reflects the loan has a PPP; however a PPP addendum to the note was not in file. - Due Diligence Vendor-02/19/2026 |  | Resolved-Client provide PP Addendum - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.486 Required is 0.8 Borrower has 1.486 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7708291 |
| XXXX | XXXX | 10156813 D A | Closed | FCRE0043 | 2026-02-13 17:08 | 2026-02-18 16:26 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR calculation provided. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-02/18/2026 <br>Open-The DSCR Calculation from lender is Missing. The DSCR Calculation from lender is Missing - Due Diligence Vendor-02/13/2026 |  | Resolved-DSCR calculation provided. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.486 Required is 0.8 Borrower has 1.486 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7619201 |
| XXXX | XXXX | 10156813 D A | Closed | FCRE0070 | 2026-02-13 17:12 | 2026-02-18 16:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-1008 provided. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026<br>| Resolved-1008 provided. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.486 Required is 0.8 Borrower has 1.486 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7619282 |
| XXXX | XXXX | 10156813 D A | Closed | FCRE0112 | 2026-02-13 17:08 | 2026-02-18 16:25 | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_3 | Resolved-1008 provided. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026 <br>Open-Approval/Underwriting Summary Not Provided. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026<br>| Resolved-1008 provided. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.486 Required is 0.8 Borrower has 1.486 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7619203 |
| XXXX | XXXX | 10156813 D A | Closed | FCRE0197 | 2026-02-13 17:08 | 2026-02-18 16:24 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Seller CD provided. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026 <br>Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026<br>| Resolved-Seller CD provided. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.486 Required is 0.8 Borrower has 1.486 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7619204 |
| XXXX | XXXX | 10156813 D A | Closed | FCRE0109 | 2026-02-13 17:08 | 2026-02-18 16:22 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Patriot act disclosure provided. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Supporting Document - Seller-02/18/2026<br>| Resolved-Patriot act disclosure provided. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.486 Required is 0.8 Borrower has 1.486 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7619202 |
| XXXX | XXXX | 10156813 D A | Closed | FCRE8700 | 2026-02-13 15:19 | 2026-02-18 16:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-After further review, the loan did not close vested in an entity. - Due Diligence Vendor-02/18/2026 <br>Open-Business Entity EIN value is invalid (Field value is ''). EIN not in file - Due Diligence Vendor-02/13/2026 |  | Resolved-After further review, the loan did not close vested in an entity. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.486 Required is 0.8 Borrower has 1.486 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7617019 |
| XXXX |  | 10110815 C B A | Closed | FCRE1194 | 2026-02-17 11:26 | 2026-03-05 14:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received documentation to support the use of actual in place rents. Audited LTV of 79% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. $5k deposit from XXXX. <br> This will allow us to DSCR above 1.0 and remain at 79% LTV - Seller-03/03/2026 <br> Open-Audited LTV of 79% exceeds Guideline LTV of 75% DSCR less than 1.00 max LTV 75%. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. $5k deposit from XXXX. <br> This will allow us to DSCR above 1.0 and remain at 79% LTV - Seller-03/03/2026 | Resolved-Received documentation to support the use of actual in place rents. Audited LTV of 79% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/05/2026<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history on all properties.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.025 .<br>Months Reserves exceed minimum required - 0.46 months PITIA reserves; 0 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7656749 |
| XXXX |  | 10110815 C B A | Closed | FCRE0969 | 2026-02-17 10:09 | 2026-02-18 13:57 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Per XXXX, a prepayment penalty is not permitted to be charged to an LLC. <br> Waiver applied to non-material finding. Loan closed in entity name. . - Due Diligence Vendor-02/18/2026 |  | Waived-Per XXXX, a prepayment penalty is not permitted to be charged to an LLC. <br> Waiver applied to non-material finding. Loan closed in entity name. . - Due Diligence Vendor-02/18/2026 | On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history on all properties.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.025 .<br>Months Reserves exceed minimum required - 0.46 months PITIA reserves; 0 months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 7652816 |
| XXXX |  | 10110819 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 10085642 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 10151245 D A | Closed | FCRE1440 | 2026-02-19 13:18 | 2026-03-02 14:25 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received previous and current property profile reflecting owning free and clear. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. On page 2 of the report, XXXX. - Seller-02/27/2026 <br> Counter-Property Profiie for XXXX free and clear - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. See attached. - Buyer-02/26/2026 <br> Counter-Received property profile for previous residence. Missing validation XXXX is owned free and clear - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. The borrower owns XXXX free and clear; therefore, there is no associated mortgage or payment history in the last 6 months of residence. <br>According to the property profile report for XXXX, the borrower previously maintained a line of credit which was opened on XXXX. The payment history for this account is reflected on the credit report under account number XXXX. - Buyer-02/25/2026 <br> Counter-Per GL 5.5.4 evidence borrower has made housing payment for at least the last 12 months. DSCR is to verify primary and subject if refi. Since this is a purchase, primary housing payments need to be verified. XXXX provide a profile report for a previous property owned by borrower, XXXX but does not include payment history - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see property profile attached. - Seller-02/23/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing documentation which evidences most recent 12 months primary housing expense payment for a Fiirst Time Investor. Loan application reflects borrower owning current residence for 6 months and prior residence 1.67 years. Credit shows most recent mortgage history as of XXXX. Other findings may apply. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. On page 2 of the report, XXXX - Seller-02/27/2026 <br> Ready for Review-Document Uploaded. Please see property profile attached. - Seller-02/23/2026 | Resolved-Received previous and current property profile reflecting owning free and clear. - Due Diligence Vendor-03/02/2026<br>| Months Reserves exceed minimum required - Reserves: 29 Min 12<br>LTV is less than guideline maximum - Required is 75 Borrower has 67.2<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 803 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7703347 |
| XXXX | XXXX | 10151245 D A | Closed | FCRE0043 | 2026-02-19 13:29 | 2026-02-25 09:11 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Calculation was located. - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-02/24/2026 <br>Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-02/19/2026 |  | Resolved-DSCR Calculation was located. - Due Diligence Vendor-02/25/2026<br>| Months Reserves exceed minimum required - Reserves: 29 Min 12<br>LTV is less than guideline maximum - Required is 75 Borrower has 67.2<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 803 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7703634 |
| XXXX |  | 10110901 C A | Closed | FCRE1440 | 2026-02-19 08:45 | 2026-03-02 13:11 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received private party VOR and payment history. - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. Primary VOR attached - Seller-02/27/2026 <br>Counter-Received cancelled checks. Missing lease on primary to confirm payment amount and terms. - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. see attached verification of rent for primary residence- 12 mo rental checks - Seller-02/24/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Lender to provide verification of rent for the primary residence. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Primary VOR attached - Seller-02/27/2026 <br>Ready for Review-Document Uploaded. see attached verification of rent for primary residence- 12 mo rental checks - Seller-02/24/2026<br>| Resolved-Received private party VOR and payment history. - Due Diligence Vendor-03/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 809 Required is 660 Borrower has 809<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7695405 |
| XXXX | XXXX | 10110693 D B A | Closed | FCRE0104 | 2026-06-02 08:25 | 2026-06-02 08:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material finding. Loan closed in entity name. <br> - Due Diligence Vendor-06/02/2026 <br> Open-Per XXXX, a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-06/02/2026 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. <br> - Due Diligence Vendor-06/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x33 months, guides allow a maximum of 1x30x12 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Investor Post-Close | No | 9500614 |
| XXXX | XXXX | 10110693 D B A | Closed | FCRE8887 | 2026-02-20 17:41 | 2026-02-26 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Upon further review 7.2 states housing history for primary and subject if applicable only on DSCR - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-02/24/2026 <br>Open-Loan application does not contain all REO properties owned. DSCR loans, the application should otherwise be fully completed including the Schedule of Real Estate Owned listing all properties owned and reflective of any associated mortgages (including private mortgages). Subject to additional conditions. - Due Diligence Vendor-02/20/2026 |  | Resolved-Upon further review 7.2 states housing history for primary and subject if applicable only on DSCR - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x33 months, guides allow a maximum of 1x30x12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7731796 |
| XXXX | XXXX | 10110693 D B A | Closed | FCRE1201 | 2026-02-20 16:16 | 2026-02-26 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Client provided Fraud Report - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-02/26/2026 <br>Open-Missing Third Party Fraud Report Missing from loan file - Due Diligence Vendor-02/20/2026 |  | Resolved-Client provided Fraud Report - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x33 months, guides allow a maximum of 1x30x12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7730087 |
| XXXX | XXXX | 10110694 D B A | Closed | FCRE0104 | 2026-06-02 08:28 | 2026-06-02 08:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material finding. Loan closed in entity name. <br> - Due Diligence Vendor-06/02/2026 <br> Open-Per XXXX, a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-06/02/2026 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. <br> - Due Diligence Vendor-06/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x33 months, guides allow a maximum of 1x30x12 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Investor Post-Close | No | 9500662 |
| XXXX | XXXX | 10110694 D B A | Closed | FCRE1198 | 2026-02-20 14:52 | 2026-03-02 14:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received bank accounts and proof of 100% ownership. - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-02/27/2026 <br>Counter-Received 2 business bank statements reflecting different LLCs. Provide corresponding Operating Agreement confirming borrower has 100% access. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-02/24/2026 <br>Open-Audited Reserves of 2.77 month(s) are less than Guideline Required Reserves of 3 month(s) The loan file is missing bank statements to verify the required reserves. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Supporting Documents - Seller-02/27/2026 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-02/24/2026<br>| Resolved-Received bank accounts and proof of 100% ownership. - Due Diligence Vendor-03/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x33 months, guides allow a maximum of 1x30x12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7728374 |
| XXXX | XXXX | 10110694 D B A | Closed | FCRE1479 | 2026-02-20 14:38 | 2026-03-02 14:48 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-02/27/2026 <br>Counter-Received 2 business bank statements reflecting different LLCs. Provide corresponding Operating Agreement confirming borrower has 100% access. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-02/24/2026 <br>Open-Asset Record 1 Does Not Meet G/L Requirements The loan file is missing bank statements to verify assets for closing. The loan application states: <br> Specify REO sales with remaining funds held by title company $93,000. However, the loan file contains no documentation verifying the $93,000 for this transaction. - Due Diligence Vendor-02/20/2026 |  | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-03/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x33 months, guides allow a maximum of 1x30x12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7728118 |
| XXXX | XXXX | 10110694 D B A | Closed | FCRE8887 | 2026-02-20 17:39 | 2026-02-26 14:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Upon further review, per GL 7.2 housing history only for Subject and Primary if applicable - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-02/24/2026 <br>Open-Loan application does not contain all REO properties owned. DSCR loans, the application should otherwise be fully completed including the Schedule of Real Estate Owned listing all properties owned and reflective of any associated mortgages (including private mortgages). Subject to additional conditions. - Due Diligence Vendor-02/20/2026 |  | Resolved-Upon further review, per GL 7.2 housing history only for Subject and Primary if applicable - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x33 months, guides allow a maximum of 1x30x12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7731787 |
| XXXX | XXXX | 10110695 D B A | Closed | FCRE0104 | 2026-06-02 08:30 | 2026-06-02 08:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material finding. Loan closed in entity name. <br> - Due Diligence Vendor-06/02/2026 <br> Open-Per XXXX, a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-06/02/2026 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. <br> - Due Diligence Vendor-06/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>Months Reserves exceed minimum required - Min 3, actual 67.64 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Investor Post-Close | No | 9500676 |
| XXXX | XXXX | 10110695 D B A | Closed | FCRE1480 | 2026-02-20 17:13 | 2026-03-02 14:45 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received Operating Agreement confirming 100% ownership - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-02/27/2026 <br> Counter-Operating Agreement uploaded is for different LLC (XXXX) than LLC on Bank Statements (XXXX). Please provide Op Agreement showing 100% Ownership for XXXX - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-02/26/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Please provide Operating agreement showing borrower is 100% owner of LLC reflected on the bank statement. - Due Diligence Vendor-02/20/2026 |  | Resolved-Received Operating Agreement confirming 100% ownership - Due Diligence Vendor-03/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>Months Reserves exceed minimum required - Min 3, actual 67.64 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7731383 |
| XXXX | XXXX | 10110695 D B A | Closed | FCRE8887 | 2026-02-20 16:45 | 2026-02-26 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-After further review, 1003 is complete. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-02/24/2026 <br>Open-Loan application does not contain all REO properties owned. DSCR loans, the application should otherwise be fully completed including the Schedule of Real Estate Owned listing all properties owned and reflective of any associated mortgages (including private mortgages). Subject to additional conditions. - Due Diligence Vendor-02/20/2026 |  | Resolved-After further review, 1003 is complete. - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>Months Reserves exceed minimum required - Min 3, actual 67.64 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7730885 |
| XXXX | XXXX | 10110704 D B A | Closed | FCRE8887 | 2026-02-20 16:36 | 2026-02-24 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Updated 1003 provided. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-02/23/2026 <br>Open-Loan application does not contain all REO properties owned. DSCR loans, the application should otherwise be fully completed including the Schedule of Real Estate Owned listing all properties owned and reflective of any associated mortgages (including private mortgages). Subject to additional conditions. - Due Diligence Vendor-02/20/2026 |  | Resolved-Updated 1003 provided. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>Months Reserves exceed minimum required - Min 3, actual 120.64 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7730772 |
| XXXX | XXXX | 10110704 D B A | Closed | FCRE0104 | 2026-02-20 16:41 | 2026-02-20 16:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/20/2026 <br> Open-Per XXXX a prepayment penalty is not permitted to be charged to an LLC - Due Diligence Vendor-02/20/2026 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>Months Reserves exceed minimum required - Min 3, actual 120.64 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Investor Post-Close | No | 7730833 |
| XXXX |  | 10110845 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 10146808 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 10146807 C A | Closed | FCRE5790 | 2026-02-26 13:07 | 2026-03-03 13:13 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. UDX FOR UNDISCLOSED DEBT VERIFICATION - Buyer-02/27/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Risk report reflects UDN performed thru XXXX. Missing a credit refresh/gap report or evidence of credit monitoring within 10 days of the note date. - Due Diligence Vendor-02/26/2026 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-03/03/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.35<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7826626 |
| XXXX | XXXX | 10146807 C A | Closed | FCRE5791 | 2026-02-26 13:07 | 2026-03-03 13:13 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. UDX FOR UNDISCLOSED DEBT VERIFICATION - Seller-02/27/2026 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Risk report reflects UDN performed thru 2/2/2026. Missing a credit refresh/gap report or evidence of credit monitoring within 10 days of the note date. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. UDX FOR UNDISCLOSED DEBT VERIFICATION - Seller-02/27/2026<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-03/03/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.35<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7826627 |
| XXXX | XXXX | 10146807 C A | Closed | FCRE0044 | 2026-02-25 13:47 | 2026-03-02 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. Signed credit letter inquiry addressing inquiries - Buyer-02/26/2026 <br>Open-LOX for credit inquiries is missing. Missing credit inquiry letter. (doc in file doesn't address inquiry from credit report). - Due Diligence Vendor-02/25/2026 |  | Resolved-Received LOE. - Due Diligence Vendor-03/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.35<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7806130 |
| XXXX | XXXX | 10146807 C A | Closed | FCRE1324 | 2026-02-25 13:32 | 2026-02-27 17:19 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Signed tax returns not required with a 4506 - Due Diligence Vendor-02/27/2026 <br> Open-Borrower 1 Tax Returns Not Signed Borrower 1 Tax Returns for XXXX and XXXX Not Signed - Due Diligence Vendor-02/25/2026 |  | Resolved-Signed tax returns not required with a 4506 - Due Diligence Vendor-02/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.35<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 752 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7805071 |
| XXXX | XXXX | 10146807 C A | Closed | FCRE1354 | 2026-02-25 13:32 | 2026-02-27 17:19 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Resolved-Signed tax returns not required with a 4506 - Due Diligence Vendor-02/27/2026 <br> Open-Borrower 2 Tax Returns Not Signed Borrower 2 Tax Returns for XXXX and XXXX Not Signed - Due Diligence Vendor-02/25/2026 |  | Resolved-Signed tax returns not required with a 4506 - Due Diligence Vendor-02/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.35<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 752 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7805072 |
| XXXX | XXXX | 10104477 D A | Closed | FPRO1255 | 2026-02-27 20:02 | 2026-03-04 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-03/03/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing project questionnaire - Due Diligence Vendor-02/28/2026 |  | Resolved-Received HOA Questionnaire - Due Diligence Vendor-03/04/2026<br>| Months Reserves exceed minimum required - Reserves: 43 Min 3 <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 765 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7854054 |
| XXXX | XXXX | 10156806 C A | Closed | FCRE5790 | 2026-03-02 08:22 | 2026-03-05 13:54 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Borrower 1 Gap Credit Report with no new inquiries. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-03/03/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap Credit dated XXXX. - Due Diligence Vendor-03/02/2026 |  | Resolved-Received Borrower 1 Gap Credit Report with no new inquiries. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 821 Required is 680 Borrower has 821<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.41 Required is 50 Borrower has 20.41 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7868961 |
| XXXX | XXXX | 10162210 D A | Closed | FCRE3653 | 2026-03-03 12:29 | 2026-03-04 16:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Upon further review, LOE is not required. Tax preparer verification in the loan file is sufficient. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-03/03/2026 <br>Open-Per guides, PTIN's are not allowed unless working for a third-party firm. Tax preparer letter in file from a self-employed individual with a PTIN license. However, a search of borrower's license in file reflects they have a CTEC license. Lender to provide explanation for discrepancy in tax preparer's license on the letter. - Due Diligence Vendor-03/03/2026 |  | Resolved-Upon further review, LOE is not required. Tax preparer verification in the loan file is sufficient. - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748<br>LTV is less than guideline maximum - Required is 80 Borrower has 60<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.72 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7899522 |
| XXXX | XXXX | 10162210 D A | Closed | FCRE1510 | 2026-02-27 15:21 | 2026-03-04 16:34 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-received Exhibit A with the DOT - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-03/03/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is not with the DOT - Due Diligence Vendor-02/27/2026 |  | Resolved-received Exhibit A with the DOT - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748<br>LTV is less than guideline maximum - Required is 80 Borrower has 60<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.72 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7851056 |
| XXXX | XXXX | 10156809 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 10110696 D B A | Closed | FCRE7806 | 2026-03-04 17:14 | 2026-03-25 15:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Income calculation worksheet was provided. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-03/23/2026 <br>Counter-Finding remains. Please provide Inc Calculation sheet that reflects UW's work (not just the end result) - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-03/18/2026 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Lender's Bank Statement Summary/Lender Worksheet is required to be present in the loan file. - Due Diligence Vendor-03/04/2026 |  | Resolved-Income calculation worksheet was provided. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.07 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7931247 |
| XXXX | XXXX | 10110696 D B A | Closed | FCRE6763 | 2026-03-04 18:21 | 2026-03-05 21:50 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived- Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-03/06/2026 <br> Open-Per guides, Co-mingling of multiple accounts to generate a full 12 or 24 months is not permitted. Lender exception in file to allow use of two separate bank accounts with separate 12 months statements each. Lender's exception request states: "Borrower has a Business in Idaho and XXXX with 2 separate bank accounts. They are the same type of business with same name just different states. Requesting to use both bank statements for income." No compensating factors were provided on the exception request form. However, the file reflected the following compensating factors were available: 23.07% DTI - 50% max allowed; 802 FICO score - 700 min required; 10 months reserves - 3 months required. - Due Diligence Vendor-03/04/2026 |  | Waived- Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.07 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 7932725 |
| XXXX | XXXX | 10179762 C A | Closed | FCRE1115 | 2026-03-06 05:42 | 2026-03-17 16:09 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Received Change Affidavit. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. title to record affidavit correcting notary date. - Buyer-03/16/2026 <br> Open-Security Instrument Date is greater than the transaction date of XXXX. - Due Diligence Vendor-03/06/2026 |  | Resolved-Received Change Affidavit. - Due Diligence Vendor-03/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.89<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 800 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7965396 |
| XXXX | XXXX | 10162216 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 10146810 C B A | Closed | FCRE0157 | 2026-03-05 14:59 | 2026-03-09 16:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Client provided a waiver for property listed for sale <30 days, applied to non material finding with comp factors - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-03/06/2026 <br>Open-Loan does not meet guideline requirements for loans listed for sale. Subject is currently listed for sale. Property must be removed from listing for at least one month prior to application. 1008 indicates an exception; however, the loan file does not contain an exception/approval. - Due Diligence Vendor-03/05/2026 |  | Waived-Client provided a waiver for property listed for sale <30 days, applied to non material finding with comp factors - Due Diligence Vendor-03/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.59<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 | FICO: 762>700 minimum required<br> Reserves: 16 months verified>3 months required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 7951581 |
| XXXX | XXXX | 10162217 D A | Closed | FCRE7497 | 2026-03-09 14:13 | 2026-03-12 13:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-XXXX have been sold - received final settlement statements - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. REO Properties: XXXX have been sold - see attached final settlement statement. - Buyer-03/10/2026 <br> Open-missing proof of taxes and insurance for 2 REO properties owned by the borrower. - Due Diligence Vendor-03/09/2026 |  | Resolved-XXXX have been sold - received final settlement statements - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.78 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8002863 |
| XXXX | XXXX | 10162217 D A | Closed | FCRE2244 | 2026-03-10 11:28 | 2026-03-12 13:48 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-No Property Issues identified for the property. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-03/10/2026 <br>Open-Property Issues are identified for the property Stove missing from main and ADU. Appraiser indicates stove is functional; however missing from pictures. Picture verifies plug for stove in ADU but not verified for main. Provide proof hookup is available for main house. - Due Diligence Vendor-03/10/2026 |  | Resolved-No Property Issues identified for the property. - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.78 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8021834 |
| XXXX | XXXX | 10162217 D A | Closed | FCRE1440 | 2026-03-10 11:41 | 2026-03-12 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Document Uploaded. Please see attached VOM for the subject which was in the file as well. - Buyer-03/10/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing 12 month satisfactory mortgage history for the subject property. Additional conditions may apply. - Due Diligence Vendor-03/10/2026 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.78 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8022153 |
| XXXX | XXXX | 10162221 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 10156814 D A | Closed | FCRE1173 | 2026-03-11 11:43 | 2026-03-17 16:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Master policy. - Due Diligence Vendor-03/17/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-03/16/2026 <br>Open-Missing Condo Master Insurance Policy Provide master condo insurance with sufficient coverage per guides. Additional conditions may apply. It should be noted that the dwelling coverage for subject property does not meet the unpaid principal balance of the mortgage and an Estimated cost to replace was not notated on appraisal delivered with loan file (Total Estimate of Cost-New) and an RCE from insurance provider/agent was not provided. - Due Diligence Vendor-03/11/2026 |  | Resolved-Received Master policy. - Due Diligence Vendor-03/17/2026<br>| Months Reserves exceed minimum required - 3 months required, borrower has 15 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 796 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 8049242 |
| XXXX | XXXX | 10156814 D A | Closed | FCRE1204 | 2026-03-11 12:01 | 2026-03-17 16:23 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/17/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-03/16/2026 <br>Open-Fraud Report Shows Uncleared Alerts Provide fraud report with alert for "Borrower name(s) not found on the Credit Header Search" cleared. - Due Diligence Vendor-03/11/2026 |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/17/2026<br>| Months Reserves exceed minimum required - 3 months required, borrower has 15 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 796 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 8049603 |
| XXXX | XXXX | 10162220 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 10200431 D B A | Closed | FCRE1202 | 2026-03-17 16:20 | 2026-03-25 15:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report and searches were provided. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. 1. There is a new high alert for "suspicious sale" since the borrower's name shows up as other (see highlighted section below). These are known AKAs for her so it is not suspicious.<br> 2. There were two possible OFAC hits for the title company and non-borrowing spouse (XXXX) but we pulled separate OFACs for them and they were clear<br> 3. Attached please find the revised LoanSafe which includes the appraisers and RE Broker.<br> 4. SAM.gov is included in the search parameters of XXXX - Seller-03/23/2026 <br> Counter-Received OFAC searches for title, seller. Missing SAM clearance for all parties. Missing searches for appraiser, appraisal company, real estate agents and real estate companies as well. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. For the 2nd item, section 7.2 of the guidelines refers to OFAC and Watchlist Search Parties (not fraud reports as indicated in the finding) and again, it's specific to business purpose loans, which our transaction is not. However, we did complete OFAC searches which are attached. This was a FSBO so there are no real estate agents involved. Would you please let us know if any additional searches need to be completed and if the new requirements are being retroactively applied to all loans regardless of loan purpose and lock date? - Seller-03/19/2026 <br> Counter-Received rebuttal. Missing confirmation fraud report meets guideline 7.2 - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. per section 7.1 of the XXXX Credit Guidelines, only business purpose loans require a Fraud Check on all interested parties. The subject transaction is not a business purpose loan. Also, updated guidance was just released yesterday however this loan funded prior to that. Are you saying that the new guidance is being applied to all loans, regardless of the lock date and business purpose?? - Buyer-03/18/2026 <br> Open-Third Party Fraud Report Partially Provided Fraud Report in file has background checks for only the borrower and loan originator. Lender to provide an updated Fraud Report to confirm all parties to the transaction such as borrowers, entities holding title and all owners, sellers, realtors, realtor brokerages, closing attorney, lender/originator and loan officer were successfully checked and not included on these lists. A copy of the findings report and/or searches must be provided in the loan file along with notes and any related documentation used to resolve any deficiencies or red flags noted to obtain a passing score or clearance of the report. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. 1. There is a new high alert for "suspicious sale" since the borrower's name shows up as other (see highlighted section below). These are known AKAs for her so it is not suspicious.<br> 2. There were two possible OFAC hits for the title company and non-borrowing spouse (XXXX) but we pulled separate OFACs for them and they were clear<br> 3. Attached please find the revised XXXX which includes the appraisers and RE Broker.<br> 4. SAM.gov is included in the search parameters of LoanSafe - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. For the 2nd item, section 7.2 of the guidelines refers to OFAC and Watchlist Search Parties (not fraud reports as indicated in the finding) and again, it's specific to business purpose loans, which our transaction is not. However, we did complete OFAC searches which are attached. This was a FSBO so there are no real estate agents involved. Would you please let us know if any additional searches need to be completed and if the new requirements are being retroactively applied to all loans regardless of loan purpose and lock date? - Seller-03/19/2026 | Resolved-Third Party Fraud Report and searches were provided. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757<br>LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.06 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | 8163934 |
| XXXX | XXXX | 10200431 D B A | Closed | FCRE7890 | 2026-03-17 15:57 | 2026-03-20 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Required Income Documentation for Bank Statement Program | Resolved-LOE from borrower and evidence of the transfers was provided: "XXXX holds client retainer funds for future legal fees. Once we complete work and invoice, client payments for our work are transferred." - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. 1. Missing Required Income Documentation for Bank Statement Program<br> • Open-Per guides, deposits in the form of transfers from other accounts are generally excluded as qualifying deposits unless it is a wire transfer from another company for services rendered. The bank statements supplied show 116 transfers, noted as "Online Banking transfer from XXXX," totaling XXXX, which the lender included as eligible deposits. Please provide documentation (and an LOX) to verify these transfers are business related deposits. Once received and reviewed, additional findings may apply. - Due Diligence Vendor-03/17/2026 – this was addressed in the underwriter's income write up. TheXXXX account. Please see attached borrower LOX<br> 2. Missing Required Income Documentation for Bank Statement Program<br> • Open-Per guides, deposits in the form of transfers from other accounts are generally excluded as qualifying deposits unless it is a wire transfer from another company for services rendered. The bank statements supplied show 116 transfers, noted as "Online Banking transfer from XXXX," totaling XXXX, which the lender included as eligible deposits. Please provide documentation (and an LOX) to verify these transfers are business related deposits. Once received and reviewed, additional findings may apply. - Due Diligence Vendor-03/17/2026 – this was addressed in the underwriter's income write up. The XXXX account. Please see attached borrower LOX and supporting bank statements - Buyer-03/18/2026 <br> Open-Per guides, deposits in the form of transfers from other accounts are generally excluded as qualifying deposits unless it is a wire transfer from another company for services rendered. The bank statements supplied show 116 transfers, noted as "Online Banking transfer from XXXX," totaling XXXX, which the lender included as eligible deposits. Please provide documentation (and an LOX) to verify these transfers are business related deposits. Once received and reviewed, additional findings may apply. - Due Diligence Vendor-03/17/2026 |  | Resolved-LOE from borrower and evidence of the transfers was provided: "XXXX holds client retainer funds for future legal fees. Once we complete work and invoice, client payments for our work are transferred." - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757<br>LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.06 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | 8163171 |
| XXXX | XXXX | 10200431 D B A | Closed | FCRE1198 | 2026-03-17 11:04 | 2026-03-20 14:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Bank statement provided with evidence of the large transfers was provided. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. attached is the February statement for the XXXX, which is where the large transfers into account XXXX came from. - Seller-03/19/2026 <br> Counter-Received XXXX reflecting several transfers. Review is unable to validate total, final funds for closing and reserves. Source of transfer with updated statements required. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Attached please find an updated asset statement for the funds needed to cover the reserves.<br> - Buyer-03/19/2026 <br> Open-Audited Reserves of 5.97 month(s) are less than Guideline Required Reserves of 9 month(s) Lender to provide additional assets to meet the minimum reserves required. It should be noted that the loan application reflects a balance of XXXX for a checking account with XXXX, however, the most current balance after funds were wired to closing (and accounted for by audit), was only XXXX, due to the borrower having wired $100K+ to pay an XXXX account. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. attached is the February statement for the XXXX, which is where the large transfers into account XXXX came from. - Seller-03/19/2026 | Resolved-Bank statement provided with evidence of the large transfers was provided. - Due Diligence Vendor-03/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757<br>LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.06 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | 8151791 |
| XXXX | XXXX | 10200431 D B A | Closed | FCRE7497 | 2026-03-17 16:09 | 2026-03-19 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation of HOA for 3a - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. the XXXX. The HOA payment activity statement and insurance dec page are attached. - Buyer-03/18/2026 <br> Open-Please provide documentation for REO 3a to verify XXXX in monthly obligations not included in the monthly mortgage payment. Additional conditions may apply, pending review. - Due Diligence Vendor-03/17/2026 |  | Resolved-Received confirmation of HOA for 3a - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757<br>LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.06 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | 8163689 |
| XXXX | XXXX | 10200431 D B A | Closed | FPRO1255 | 2026-03-17 08:21 | 2026-03-19 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received CPM approval. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. per section 6.6 of the XXXX Credit Guidelines, either a condo questionnaire or CPM approval is acceptable. CPM approval is attached. - Buyer-03/18/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. A Condo Questionnaire is missing from the loan file. Once received and reviewed, additional findings may be added. - Due Diligence Vendor-03/17/2026 |  | Resolved-Received CPM approval. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757<br>LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.06 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | 8147201 |
| XXXX | XXXX | 10200431 D B A | Closed | FCRE0116 | 2026-03-17 17:14 | 2026-03-19 15:40 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received CPM approval - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. attached UW Warranty and FNMA HOA Approval. - Seller-03/18/2026 <br>Open-Missing Warrantability Documentation. UW Attestation and/or documentation clearly stating whether the property is a warrantable or non-warrantable condo must be delivered with the file. Lender to provide CPM approval or Condo Questionnaire as applicable. It should be noted that the Lender's 1008 indicates the project review is "FannieMae Review through PERS" and lender's email indicates a PERS/COO from FNMA to be provided soon. However, documentation that the review was completed is missing from file. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. attached UW Warranty and FNMA HOA Approval. - Seller-03/18/2026<br>| Resolved-Received CPM approval - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757<br>LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.06 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | 8165040 |
| XXXX | XXXX | 10200431 D B A | Closed | FCRE5782 | 2026-03-17 10:17 | 2026-03-19 15:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-03/17/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing a credit refresh/gap report or evidence of credit monitoring within 10 days of the note date. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Supporting Document - Seller-03/17/2026<br>| Resolved-Received credit refresh. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757<br>LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.06 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | 8150122 |
| XXXX | XXXX | 10200431 D B A | Closed | FCOM5135 | 2026-03-16 15:04 | 2026-03-16 15:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/16/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757<br>LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.06 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | Originator Post-Close | No | 8135233 |
| XXXX | XXXX | 10162206 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 10161167 C A | Closed | FCOM0013 | 2026-03-17 10:35 | 2026-03-19 11:31 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received copy of eConsent, finding resolved. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. - Seller-03/18/2026 <br>Open-Missing e-Consent. Missing proof borrower agreed to electronic documents. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. - Seller-03/18/2026<br>| Resolved-Received copy of eConsent, finding resolved. - Due Diligence Vendor-03/19/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.3<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8150615 |
| XXXX | XXXX | 10179748 C A | Closed | FCRE0044 | 2026-03-18 14:00 | 2026-03-23 13:30 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. Please see attached.<br> - Buyer-03/19/2026 <br>Open-LOX for credit inquiries is missing. LOX for credit inquiries on 1/2/2026 missing from file. - Due Diligence Vendor-03/18/2026 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-03/23/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 69.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 97.96 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8190407 |
| XXXX | XXXX | 10200482 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 10217438 D A | Closed | FCRE1440 | 2026-03-27 14:41 | 2026-04-01 16:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation both are free and clear. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded.XXXX FREE AND CLEAR<br> XXXX FREE AND CLEAR - Buyer-03/31/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Need mortgage history for 1003 properties 3H and 3I. If properties owned free and clear, need lien reports. - Due Diligence Vendor-03/27/2026 |  | Resolved-Received confirmation both are free and clear. - Due Diligence Vendor-04/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 Required is 660 Borrower has 784<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.06 Required is 50 Borrower has 22.06<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8365313 |
| XXXX | XXXX | 10217438 D A | Closed | FCRE7497 | 2026-03-27 15:13 | 2026-03-31 16:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received missing REO documentation. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. XXXX docs.. tax and insurance on mortgage statement<br> XXXX docs<br> XXXX docs - coop so no taxes - Buyer-03/30/2026 <br> Open-1003 property 3C - Need to verify information in HOI, taxes and HOA line as UW is not able to verify what this amount is for. Mortgage statement in file shows PITI verified. <br> 1003 property 3G - Need to verify XXXX and XXXX mortgage payments paid as agreed.<br> 1003 property 3E - Need to verify XXXX mortgage payment paid as agreed.<br> 1003 property 3H - Need mortgage statement to verify PITI payment (as only HOI was provided)<br> 1003 property 3I - Need mortgage statement to verify PITI payment (as only HOI was provided) - Due Diligence Vendor-03/27/2026 |  | Resolved-Received missing REO documentation. - Due Diligence Vendor-03/31/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 Required is 660 Borrower has 784<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.06 Required is 50 Borrower has 22.06<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8366206 |
| XXXX | XXXX | 10217438 D A | Closed | FCRE1316 | 2026-03-30 08:50 | 2026-03-31 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE. - Due Diligence Vendor-03/31/2026 <br>Ready for Review-Document Uploaded. final VVOE - Buyer-03/30/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/30/2026 |  | Resolved-Received VOE. - Due Diligence Vendor-03/31/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 Required is 660 Borrower has 784<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.06 Required is 50 Borrower has 22.06<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8381808 |
| XXXX | XXXX | 10200501 D A C | Closed | FCRE1491 | 2026-03-31 16:15 | 2026-04-02 15:11 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Client provided proof of Gifts given - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. 1. 610K GIFT<br> 2. 320K GIFT<br> - Buyer-04/01/2026 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Need both donor's to provide proof of withdrawal of gift funds from each of their accounts. - Due Diligence Vendor-03/31/2026 |  | Resolved-Client provided proof of Gifts given - Due Diligence Vendor-04/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 Required is 680 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.15 Required is 50 Borrower has 31.15 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8413664 |
| XXXX | XXXX | 10200501 D A C | Closed | FCRE1316 | 2026-04-01 10:25 | 2026-04-02 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Client provided CPA letter with XXXX search for company - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. 1. CPA<br> 2. final voe<br>- Seller-04/01/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. 1. CPA<br> 2. final voe<br>- Seller-04/01/2026<br>| Resolved-Client provided CPA letter with XXXX search for company - Due Diligence Vendor-04/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 Required is 680 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.15 Required is 50 Borrower has 31.15 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8427797 |
| XXXX | XXXX | 10200501 D A C | Closed | finding-3652 | 2026-03-31 11:34 | 2026-04-02 11:19 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received CD XXXX with COC. Finding Resolved. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. COC<br> - Buyer-04/01/2026 <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 ($6,000.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($6,250.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $6,250.00 to $6,000 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $250, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-03/31/2026 |  | Resolved-Received CD XXXX with COC. Finding Resolved. - Due Diligence Vendor-04/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 Required is 680 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.15 Required is 50 Borrower has 31.15 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8408097 |
| XXXX | XXXX | 10200456 D A | Closed | FCRE7497 | 2026-03-31 12:09 | 2026-04-10 14:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA verification. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. LETTER FROM UNDERWRITER REGARDING HOA DUES FOR XXXX<br> - Seller-04/08/2026 <br> Counter-CD for XXXX. Lender to confirm difference in escrows documented. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. 1. PITIA DOCS XXXX<br> 2. XXXX PITIA DOCS<br> - Seller-04/06/2026 <br> Counter-Received HOA statement for 3c and CD for refi of 3b. Missing verification of taxes, insurance, and/or HOA fees for non-subject property, URLA Section 3a. Condition remains - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. FINAL CD FOR XXXX - Seller-04/03/2026 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property, URLA Section 3, 3c $150 , and cd/payment letter refinance for3b, additional findings may apply. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. LETTER FROM UNDERWRITER REGARDING HOA DUES FOR XXXX<br> - Seller-04/08/2026 <br> Ready for Review-Document Uploaded. 1. PITIA DOCS XXXX<br> 2. XXXX PITIA DOCS<br> - Seller-04/06/2026 <br> Ready for Review-Document Uploaded. FINAL CD FOR XXXX - Seller-04/03/2026 | Resolved-Received PITIA verification. - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 Required is 660 Borrower has 680<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.24 Required is 50 Borrower has 5.24 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8408810 |
| XXXX | XXXX | 10200456 D A | Closed | FCOM1220 | 2026-03-31 03:53 | 2026-04-07 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Legal description was provided. - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Document Uploaded. RECORDED DOT WITH LEGAL DESCRIPTION - Buyer-04/07/2026 <br>Counter-DOT provided, missing Ex A Legal Description - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026<br>| Resolved-Legal description was provided. - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 Required is 660 Borrower has 680<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.24 Required is 50 Borrower has 5.24 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8398135 |
| XXXX | XXXX | 10200456 D A | Closed | FCRE1316 | 2026-03-31 10:48 | 2026-04-06 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received memo, SE borrower XXXX SOS in file. Upon further review XXXX SOS verified entity in operation with formation date XXXX. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. RE: VOE - BORROWER IS SELF EMPLOYED. BUSINESS EXISTENCE VERIFIED VIA XXXX SECRETARY OF STATE. - Seller-04/03/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. RE: VOE - BORROWER IS SELF EMPLOYED. BUSINESS EXISTENCE VERIFIED VIA XXXX SECRETARY OF STATE. - Seller-04/03/2026 | Resolved-Received memo, SE borrower XXXX SOS in file. Upon further review XXXX SOS verified entity in operation with formation date XXXX. - Due Diligence Vendor-04/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 Required is 660 Borrower has 680<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.24 Required is 50 Borrower has 5.24 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8405160 |
| XXXX | XXXX | 10200456 D A | Closed | FCRE0053 | 2026-03-31 09:57 | 2026-04-02 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Client provided all executed Riders to DOT - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026 <br>Open-Rider Missing from DOT screen based on Property Type selected on Property Page. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026<br>| Resolved-Client provided all executed Riders to DOT - Due Diligence Vendor-04/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 Required is 660 Borrower has 680<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.24 Required is 50 Borrower has 5.24 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8403624 |
| XXXX | XXXX | 10200456 D A | Closed | FCOM1227 | 2026-03-31 09:57 | 2026-04-02 14:32 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Client provided executed PUD Rider - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026 <br>Open-PUD Rider is Missing - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026<br>| Resolved-Client provided executed PUD Rider - Due Diligence Vendor-04/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 Required is 660 Borrower has 680<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.24 Required is 50 Borrower has 5.24 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8403623 |
| XXXX | XXXX | 10200457 D A | Closed | FCRE5782 | 2026-04-01 12:14 | 2026-04-14 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Supplemental report, reflects XXXX - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-04/02/2026 <br> Counter-Gap Credit received, provide Credit Supplement to reflect XXXX is paid current thru loan closing - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-04/01/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/01/2026 |  | Resolved-Received Supplemental report, reflects XXXX - Due Diligence Vendor-04/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 Required is 660 Borrower has 680<br>LTV is less than guideline maximum - Required is 75 Borrower has 46.44 Required is 75 Borrower has 46.44<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.25 Required is 50 Borrower has 5.25 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8432432 |
| XXXX | XXXX | 10200457 D A | Closed | FCRE7497 | 2026-03-31 14:38 | 2026-04-10 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA for XXXX. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. 1. MONTHLY HOA DUES FOR XXXX WERE TAKEN FROM APPRAISAL REPORT.<br> 2. HOA DUES REFLECTED ON APPRAISAL USED FOR QUALIFYING. THIS IS THE TOTAL OF SUB AND MASTER HOA MONTHLY DUES. - Seller-04/08/2026 <br> Counter-CD for XXXX. Lender to confirm difference in escrows documented. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. 1. PITIA DOCS XXXX<br> 2.XXXX PITIA DOCS - PLEASE ADVISE IF THIS IS NOT WHAT YOU ARE LOOKING FOR FOR 3C. YOU SHOULD HAVE ALL INFO FOR ALL REOS<br> 3. PITIA DOCS FOR XXXX - XXXX SHOULD HAVE COMPLETE PITIA DOCUMENTATION FOR ALL PROPERTIES ON THE REO - Seller-04/06/2026 <br> Counter-Received CD for 3a and 3f. Finding for 3b and 3c. Finding remains. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. FINAL CDS FOR XXXX - Seller-04/03/2026 <br> Open-Missing PITIA/CD for other property being refinanced on URLA 3b and HOA $150, for property located on URLA section 3c additional findings may apply - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. 1. MONTHLY HOA DUES FOR XXXX WERE TAKEN FROM APPRAISAL REPORT.<br> 2. HOA DUES REFLECTED ON APPRAISAL USED FOR QUALIFYING. THIS IS THE TOTAL OF SUB AND MASTER HOA MONTHLY DUES. - Seller-04/08/2026 <br> Ready for Review-Document Uploaded. 1. PITIA DOCS XXXX<br> 2. XXXX PITIA DOCS - PLEASE ADVISE IF THIS IS NOT WHAT YOU ARE LOOKING FOR FOR 3C. YOU SHOULD HAVE ALL INFO FOR ALL REOS<br> 3. PITIA DOCS FOR XXXX- XXXX SHOULD HAVE COMPLETE PITIA DOCUMENTATION FOR ALL PROPERTIES ON THE REO - Seller-04/06/2026 <br> Ready for Review-Document Uploaded. FINAL CDS FOR XXXX - Seller-04/03/2026 | Resolved-Received PITIA for XXXX. - Due Diligence Vendor-04/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 Required is 660 Borrower has 680<br>LTV is less than guideline maximum - Required is 75 Borrower has 46.44 Required is 75 Borrower has 46.44<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.25 Required is 50 Borrower has 5.25 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8411833 |
| XXXX | XXXX | 10200457 D A | Closed | FCRE1316 | 2026-03-31 13:29 | 2026-04-08 12:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received SOS. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. XXXX SOS - BUSINESS EXISTENCE VERIFIED - Seller-04/06/2026 <br> Counter-Received UW cert. Review of loan file did not reveal verification from SOS confirming in good standing. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. RE: VOE - BORROWER IS SELF-EMPLOYED. BUSINESS EXISTENCE VERIFIED VIA XXXX SECRETARY OF STATE. - Buyer-04/03/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. XXXX SOS - BUSINESS EXISTENCE VERIFIED - Seller-04/06/2026 | Resolved-Received SOS. - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 Required is 660 Borrower has 680<br>LTV is less than guideline maximum - Required is 75 Borrower has 46.44 Required is 75 Borrower has 46.44<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.25 Required is 50 Borrower has 5.25 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8410335 |
| XXXX | XXXX | 10200457 D A | Closed | FCOM1220 | 2026-03-31 04:20 | 2026-04-08 12:19 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. RECORDED DOT WITH LEGAL DESCRIPTION - Buyer-04/07/2026 <br>Counter-Client provided DOT, missing Ex A Legal Description - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 Required is 660 Borrower has 680<br>LTV is less than guideline maximum - Required is 75 Borrower has 46.44 Required is 75 Borrower has 46.44<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.25 Required is 50 Borrower has 5.25 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8398270 |
| XXXX | XXXX | 10200457 D A | Closed | FCRE0116 | 2026-03-31 13:55 | 2026-04-06 13:34 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Documentation of warrantability located or is not applicable. - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Document Uploaded. CONDO WARRANTY CERT - Buyer-04/03/2026 <br>Open-Missing Warrantability Documentation. - Due Diligence Vendor-03/31/2026 |  | Resolved-Documentation of warrantability located or is not applicable. - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 Required is 660 Borrower has 680<br>LTV is less than guideline maximum - Required is 75 Borrower has 46.44 Required is 75 Borrower has 46.44<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.25 Required is 50 Borrower has 5.25 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8410917 |
| XXXX | XXXX | 10200457 D A | Closed | FCRE0053 | 2026-03-31 12:49 | 2026-04-02 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Client provided executed Riders to DOT - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026 <br>Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Condo rider missing - also missing mortgage - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Supporting Document - Seller-04/01/2026<br>| Resolved-Client provided executed Riders to DOT - Due Diligence Vendor-04/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 Required is 660 Borrower has 680<br>LTV is less than guideline maximum - Required is 75 Borrower has 46.44 Required is 75 Borrower has 46.44<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.25 Required is 50 Borrower has 5.25 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8409478 |
| XXXX | XXXX | 10220196 D B A | Closed | FCOM1224 | 2026-04-03 09:18 | 2026-04-15 17:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Condo Rider is Missing | Resolved-Received copy of Mortgage with Condo Rider attached. Finding Resolved. - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. - Seller-04/07/2026 <br>Open-Condo Rider is Missing Missing Condo Rider (Mortgage missing also) - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026<br>| Resolved-Received copy of Mortgage with Condo Rider attached. Finding Resolved. - Due Diligence Vendor-04/08/2026<br>| Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8472983 |
| XXXX | XXXX | 10220196 D B A | Closed | FPRO1255 | 2026-04-06 11:03 | 2026-04-15 17:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-2-4 Unit condo, not required. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Per UW mgmt., this is a 2-4 unit condo and is not subject to standard condo requirements. Please waive this condition. - Seller-04/14/2026 <br>Counter-Received LTV waiver for non warrantable condo. Please provide HOA questionnaire. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. - Seller-04/09/2026 <br>Counter-Received rebuttal exception for non warrantable condo. Review is unable to locate exception, please provide. Please also note, condo questionnaire required to confirm no litigation, right of first refusal and investor concentration. - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Please see exception in "Miscellaneous" folder re: exception for non-warrantable condo. Condo is suspended so no questionnaire was required. - Seller-04/07/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. per guide All Loan secured by condominium projects require a completed Homeowners Association<br> (HOA) questionnaire - Due Diligence Vendor-04/06/2026 | Ready for Review-Per UW mgmt., this is a 2-4 unit condo and is not subject to standard condo requirements. Please waive this condition. - Seller-04/14/2026 <br>Ready for Review-Document Uploaded. - Seller-04/09/2026 <br>Ready for Review-Please see exception in "Miscellaneous" folder re: exception for non-warrantable condo. Condo is suspended so no questionnaire was required. - Seller-04/07/2026<br>| Resolved-2-4 Unit condo, not required. - Due Diligence Vendor-04/15/2026<br>| Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8500084 |
| XXXX | XXXX | 10220196 D B A | Closed | FCRE1173 | 2026-04-03 09:23 | 2026-04-15 17:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-2-4 Unit condo, not required. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Per UW mgmt., this is a 2-4 unit condo and is not subject to standard condo requirements. Please waive this condition. - Seller-04/14/2026 <br>Counter-Review is unable to locate exception noted. Please note, master HOI policy and liability coverages required. - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Please see exception in "Miscellaneous" folder re: exception for non-warrantable condo. Condo is suspended so no master policy was required. - Seller-04/07/2026 <br>Open-Missing Condo Master Insurance Policy Missing Master Pol - Due Diligence Vendor-04/03/2026 | Ready for Review-Per UW mgmt., this is a 2-4 unit condo and is not subject to standard condo requirements. Please waive this condition. - Seller-04/14/2026 <br>Ready for Review-Please see exception in "Miscellaneous" folder re: exception for non-warrantable condo. Condo is suspended so no master policy was required. - Seller-04/07/2026<br>| Resolved-2-4 Unit condo, not required. - Due Diligence Vendor-04/15/2026<br>| Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8473105 |
| XXXX | XXXX | 10220196 D B A | Closed | finding-3526 | 2026-04-02 11:18 | 2026-04-08 15:44 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received Audit trail for signature. finding Resolved. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- LEs dated XXXX were not signed by the borrower. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026<br>| Resolved-Received Audit trail for signature. finding Resolved. - Due Diligence Vendor-04/08/2026<br>| Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8454810 |
| XXXX | XXXX | 10220196 D B A | Closed | finding-3540 | 2026-04-03 07:48 | 2026-04-08 15:44 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received Audit trail for signature. finding Resolved. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-XXXX is open for settlement on Saturday, so the XXXX counts as a business day. XXXX, and disbursement was completed on XXXX. - Seller-04/07/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----CD XXXX was acknowledged however it is less than 3 business days to the consummation date of XXXX - Due Diligence Vendor-04/03/2026 | Ready for Review-XXXX is open for settlement on Saturday, so the XXXX counts as a business day. XXXX, and disbursement was completed on XXXX. - Seller-04/07/2026 | Resolved-Received Audit trail for signature. finding Resolved. - Due Diligence Vendor-04/08/2026<br>| Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8471713 |
| XXXX | XXXX | 10220196 D B A | Closed | FCOM1220 | 2026-04-02 09:53 | 2026-04-08 15:36 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. - Seller-04/07/2026 <br>Open-The Deed of Trust is Missing ----- The Deed of Trust is Missing - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-04/08/2026<br>| Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8452134 |
| XXXX | XXXX | 10220196 D B A | Closed | FCRE1194 | 2026-04-03 10:07 | 2026-04-06 11:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow . Non-material waiver applied with comp factors. Deemed non-material due to only 5% above max allowed. - Due Diligence Vendor-04/06/2026 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Lender exception on file in regards to LTV. "Max LTV 75% on non-warrantable condo" (pg 94) - Due Diligence Vendor-04/03/2026 |  | Waived-Originator exception granted to allow . Non-material waiver applied with comp factors. Deemed non-material due to only 5% above max allowed. - Due Diligence Vendor-04/06/2026<br>| Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 | FICO 20 pts over<br> Reserves 6 months+<br> DTI 10% below max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 8474010 |
| XXXX | XXXX | 10220196 D B A | Closed | FCRE6019 | 2026-04-02 10:09 | 2026-04-06 11:11 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Originator waiver applied to non material finding - Due Diligence Vendor-04/06/2026 <br>Open-Borrower Citizenship Documentation Is Missing Missing country of origin both borrower for ITIN. - Due Diligence Vendor-04/02/2026 |  | Waived-Originator waiver applied to non material finding - Due Diligence Vendor-04/06/2026<br>| Months Reserves exceed minimum required - 120 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8452568 |
| XXXX | XXXX | 10200495 C A | Closed | FCRE1440 | 2026-04-06 13:37 | 2026-04-10 13:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Rent Free Letter. - Buyer-04/08/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter for the primary residence. - Due Diligence Vendor-04/06/2026 |  | Resolved-Received rent free letter. - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 742 Required is 660 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.19 Required is 50 Borrower has 15.19 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 8505905 |
| XXXX | XXXX | 10200495 C A | Closed | FPRO1136 | 2026-04-02 09:59 | 2026-04-10 13:06 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. 1004D.<br> - Buyer-04/08/2026 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Pres - Due Diligence Vendor-04/06/2026 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 742 Required is 660 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.19 Required is 50 Borrower has 15.19 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 8452267 |
| XXXX | XXXX | 10200458 D A C | Closed | FCRE1506 | 2026-04-03 09:41 | 2026-06-01 10:50 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received REO documentation. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. EMAIL FROM BORROWER CONFIRMING NO INSURANCE POLICY ON XXXX. - Seller-04/08/2026 <br> Counter-Pending receipt of HOI or confirmation of self insured for XXXX Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. 1. XXXX PITIA AND MORTGAGE PAYMENT HISTORY FOR XXXX<br> 2. PITIA DOCS FOR XXXX<br> 3. PITIA DOCS FOR XXXX<br> 4. RE: XXXX - ENCLOSED IS AN UNDERWRITER CERT, THE PROPERTY PROFILE, AND TAX BILL ON THE PROPERTY - Buyer-04/07/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1003 Section 3 - Property 2 - Missing mortgage statement to verify P&I and mortgage history (as it is not showing on the credit report).<br> 1003 Section 3 - Property 3 - Missing HOI - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. EMAIL FROM BORROWER CONFIRMING NO INSURANCE POLICY ON XXXX. - Seller-04/08/2026 | Resolved-Received REO documentation. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.43<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.43 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8473426 |
| XXXX | XXXX | 10200458 D A C | Closed | FCRE1440 | 2026-04-03 08:59 | 2026-04-14 09:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation mortgage rating reflecting on supplement. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. XXXX- Seller-04/07/2026 <br> Open-Housing History Does Not Meet Guideline Requirements 1003 REO 3C XXXX- Need mortgage history for the most recent 12 months - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. XXXX- Seller-04/07/2026 | Resolved-Received confirmation mortgage rating reflecting on supplement. - Due Diligence Vendor-04/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.43<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.43 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8472650 |
| XXXX | XXXX | 10200458 D A C | Closed | FCRE7497 | 2026-04-03 09:58 | 2026-04-10 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received verification o f no insurance. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. EMAIL FROM BORROWER CONFIRMING NO INSURANCE POLICY ON XXXX. - Seller-04/08/2026 <br> Counter-Received rebuttal HOI is unknown. Please provide LOE from borrower confirming no HOI in force (self insured) or provide current HOI policy with premium. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. 1. RE:XXXX - ENCLOSED IS AN UNDERWRITER CERT, THE PROPERTY PROFILE, AND TAX BILL ON THE PROPERTY<br> 2. PITIA DOCS FOR XXXX<br> 3. PITIA DOCS FOR XXXX<br> 4. XXXX - Buyer-04/07/2026 <br> Open-1003 - Section 3C - XXXX- Need copy of in force HOI - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. EMAIL FROM BORROWER CONFIRMING NO INSURANCE POLICY ON XXXX - Seller-04/08/2026 | Resolved-Received verification o f no insurance. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.43<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.43 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8473806 |
| XXXX | XXXX | 10200458 D A C | Closed | finding-3652 | 2026-04-02 18:32 | 2026-04-08 14:32 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. FINAL CLOSING STATEMENT - RETAIL LOAN - ALL FEES WERE LENDER PAID FEES - LENDER CREDITS FLUCTUATE TO MATCH TOTAL FEES AMOUNT AT FINAL ALTA - - Seller-04/07/2026 <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 ($5,190.35) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,340.35). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $5,340.35 to $5,190.35 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $150.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. PCCD XXXX showed a $469.00 Credit for Increase in Closing Costs above legal limit) - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. FINAL CLOSING STATEMENT - RETAIL LOAN - ALL FEES WERE LENDER PAID FEES - LENDER CREDITS FLUCTUATE TO MATCH TOTAL FEES AMOUNT AT FINAL ALTA - - Seller-04/07/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.43<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.43 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8463954 |
| XXXX | XXXX | 10220147 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.3 - Schedule 2**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 9243498 | XXXX A |
| XXXX | XXXX | 9212935 | XXXX D C A B |
| XXXX | XXXX | 9956977 | XXXX D A B |
| XXXX |  | 10101095 | XXXX C A |
| XXXX |  | 10101097 | XXXX D A |
| XXXX |  | 10100962 | XXXX A |
| XXXX |  | 10100941 | XXXX D C A B |
| XXXX |  | 10100949 | XXXX C D A B |
| XXXX |  | 10101116 | XXXX C A |
| XXXX |  | 10101106 | XXXX A |
| XXXX | XXXX | 9917867 | XXXX D C A |
| XXXX |  | 10101007 | XXXX A |
| XXXX |  | 10100969 | XXXX A C |
| XXXX |  | 10101511 | XXXX D A |
| XXXX |  | 10100964 | XXXX D A |
| XXXX |  | 10101055 | XXXX C A B |
| XXXX |  | 10101114 | XXXX D A |
| XXXX | XXXX | 10026837 | XXXX D A |
| XXXX |  | 10100979 | XXXX C D A B |
| XXXX |  | 10101053 | XXXX C A |
| XXXX |  | 10101028 | XXXX C A B |
| XXXX |  | 10100982 | XXXX A |
| XXXX |  | 10101112 | XXXX A |
| XXXX |  | 10101030 | XXXX D C A |
| XXXX |  | 10026498 | XXXX B A |
| XXXX |  | 10101021 | XXXX D C A B |
| XXXX |  | 10101500 | XXXX D A |
| XXXX |  | 10101102 | XXXX C A B |
| XXXX |  | 10101110 | XXXX C A |
| XXXX |  | 10101518 | XXXX D A |
| XXXX |  | 10110814 | XXXX A |
| XXXX | XXXX | 10104472 | XXXX A |
| XXXX |  | 10110855 | XXXX C A B |
| XXXX | XXXX | 10146803 | XXXX A |
| XXXX | XXXX | 10110697 | XXXX A |
| XXXX | XXXX | 10099443 | XXXX C A B |
| XXXX | XXXX | 10104467 | XXXX A |
| XXXX | XXXX | 10088637 | XXXX A |
| XXXX | XXXX | 10088638 | XXXX A |
| XXXX |  | 10110847 | XXXX C A B |
| XXXX |  | 10110765 | XXXX C A |
| XXXX | XXXX | 10146800 | XXXX A |
| XXXX | XXXX | 10151247 | XXXX D A B |
| XXXX | XXXX | 10110701 | XXXX A |
| XXXX | XXXX | 10156813 | XXXX D A |
| XXXX |  | 10110815 | XXXX C A B |
| XXXX |  | 10110819 | XXXX A |
| XXXX | XXXX | 10085642 | XXXX A |
| XXXX | XXXX | 10151245 | XXXX D A |
| XXXX |  | 10110901 | XXXX C A |
| XXXX | XXXX | 10110693 | XXXX D A B |
| XXXX | XXXX | 10110694 | XXXX D A B |
| XXXX | XXXX | 10110695 | XXXX D A B |
| XXXX | XXXX | 10110704 | XXXX D B A |
| XXXX |  | 10110845 | XXXX A |
| XXXX | XXXX | 10146808 | XXXX A |
| XXXX | XXXX | 10146807 | XXXX C A |
| XXXX | XXXX | 10104477 | XXXX D A |
| XXXX | XXXX | 10156806 | XXXX C A |
| XXXX | XXXX | 10162210 | XXXX D A |
| XXXX | XXXX | 10156809 | XXXX A |
| XXXX | XXXX | 10110696 | XXXX D A B |
| XXXX | XXXX | 10179762 | XXXX C A |
| XXXX | XXXX | 10162216 | XXXX A |
| XXXX | XXXX | 10146810 | XXXX C A B |
| XXXX | XXXX | 10162217 | XXXX D A |
| XXXX | XXXX | 10162221 | XXXX A |
| XXXX | XXXX | 10156814 | XXXX D A |
| XXXX | XXXX | 10162220 | XXXX A |
| XXXX | XXXX | 10200431 | XXXX D B A |
| XXXX | XXXX | 10162206 | XXXX A |
| XXXX | XXXX | 10161167 | XXXX A C |
| XXXX | XXXX | 10179748 | XXXX C A |
| XXXX | XXXX | 10200482 | XXXX A |
| XXXX | XXXX | 10217438 | XXXX D A |
| XXXX | XXXX | 10200501 | XXXX D C A |
| XXXX | XXXX | 10200456 | XXXX D A |
| XXXX | XXXX | 10200457 | XXXX D A |
| XXXX | XXXX | 10220196 | XXXX D A B |
| XXXX | XXXX | 10200495 | XXXX C A |
| XXXX | XXXX | 10200458 | XXXX D C A |
| XXXX | XXXX | 10220147 | XXXX A |

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## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.3 - Schedule 3**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 9212935 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal. |
| XXXX | XXXX | 9212935 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.53 | 41.85 | DTI inline with 1008 |
| XXXX |  | 10101095 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.05 | 19.00 | All assets provided were used. |
| XXXX |  | 10101097 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 353.94 | 367.00 | All assets provided were used |
| XXXX |  | 10101097 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Audit figure Includes HOA dues |
| XXXX |  | 10100962 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 10100941 | XXXX | Qualifying Amortization Term | notePage | 360 | 480 | Audit value is term after the I/O period. |
| XXXX |  | 10100941 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | 2 Full Appraisals - Lower Value used for LTV |
| XXXX |  | 10100941 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Start rate at fully amortized payment per Qualifying Terms for note screen data sheet. |
| XXXX |  | 10100941 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.36 | 13.00 | All assets provided were used. |
| XXXX |  | 10101116 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Settlement Statement |
| XXXX |  | 10101116 | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | 29272.47 | -33414.54 | per Settlement Statement |
| XXXX |  | 10101106 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Lender used a higher amount for RE taxes that was not provided |
| XXXX | XXXX | 9917867 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| XXXX | XXXX | 9917867 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.19 | 23.32 | Variance due to lower income |
| XXXX |  | 10101007 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.03 | 49.97 | Audit excluded a paid auto loan |
| XXXX |  | 10100969 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 26.41 | 6.00 | Per assets |
| XXXX |  | 10100964 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Lender did not include HOA |
| XXXX |  | 10101055 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.62 | 11.00 | Verified with assets in file |
| XXXX |  | 10101114 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per estimated settlement statement |
| XXXX |  | 10101114 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | includes HOA |
| XXXX |  | 10101053 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Lender did not include HOA |
| XXXX |  | 10101053 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 44.22 | 16.00 | Per assets |
| XXXX |  | 10100982 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 10.09 | 7.00 | All assets provided were used. |
| XXXX |  | 10101030 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Lender did not include HOA |
| XXXX |  | 10101030 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.29 | 14.00 | Per CD cash to borrower |
| XXXX |  | 10026498 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.185 | 1.1686 | Lease/ PITIA |
| XXXX |  | 10101021 | XXXX | Qualifying FICO | creditLiabilitiesPage | 662 | 660 | Per credit report |
| XXXX |  | 10101021 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 20.89 | 8.00 | Per verified assets |
| XXXX |  | 10101021 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.07 | 49.66 | Audit's bonus amount is lower |
| XXXX |  | 10101500 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| XXXX |  | 10101500 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Lender did not include HOA |
| XXXX |  | 10101102 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.63 | 103.00 | All assets provided were considered. |
| XXXX |  | 10101110 | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | 82428.08 | -197072.09 | per settlement |
| XXXX |  | 10110855 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 95.3 | 0.00 | audit used cashout for reserves |
| XXXX |  | 10110855 | XXXX | Calculated DSCR | diligenceFinalLookPage | 2.05 | 2.0716 | Difference is due to the flood insurance monthly amount verified higher |
| XXXX | XXXX | 10146803 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.039 | 1 | Audit used Actual Rent/ PITIA. Lender Calculation not provided |
| XXXX | XXXX | 10088637 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.298 | 1.5222 | matches approval |
| XXXX | XXXX | 10088638 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.227 | 1.6351 | Matches 1008 |
| XXXX |  | 10110815 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report provided |
| XXXX |  | 10110815 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 0.46 | 0.00 | Per Assets |
| XXXX |  | 10110901 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 24.4 | 1.00 | Using Cash out for reserves |
| XXXX | XXXX | 10110693 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.618 | 1.49 | Lender used a lower rent to calculate DSCR |
| XXXX | XXXX | 10110694 | XXXX | Qualifying FICO | creditLiabilitiesPage | 752 | 742 | As per credit report. |
| XXXX | XXXX | 10110694 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.678 | 1.25 | 1007/PITIA.Lender did not provided calculation |
| XXXX | XXXX | 10110695 | XXXX | Qualifying FICO | creditLiabilitiesPage | 752 | 742 | Per credit report. |
| XXXX | XXXX | 10110695 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.679 | 1.57 | Lender used a lower rent figure based on 1008 |
| XXXX | XXXX | 10110704 | XXXX | Lender Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 10110704 | XXXX | Qualifying FICO | creditLiabilitiesPage | 752 | 742 | Per credit report |
| XXXX |  | 10110845 | XXXX | Total Qualified Assets Available For Reserves | assetPage | 3603.55 | 4958.08 | per bank satatements |
| XXXX |  | 10110845 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 2.19 | 3.00 | per bank statements |
| XXXX | XXXX | 10146807 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 10146807 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.35 | 44.60 | Lender including the prim res pmt twice in the DTI. |
| XXXX | XXXX | 10104477 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 10156806 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.41 | 17.07 | Audit matches Lender Final 1003 and 1008 figures. |
| XXXX | XXXX | 10162210 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Per appraisal subject is a Detached SFR |
| XXXX | XXXX | 10156809 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.95 | 0.89 | Matches Lender DSCR from worksheet |
| XXXX | XXXX | 10162216 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.57 | 49.46 | Lender used a higher negative rent vs verified amount |
| XXXX | XXXX | 10162221 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | per appraisal |
| XXXX | XXXX | 10156814 | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 10156814 | XXXX | Qualifying LTV | propertyValuationPage | 73.94 | 74.47 | Audit LTV = loan amt/sales price and matches Lender's 1008 |
| XXXX | XXXX | 10156814 | XXXX | Qualifying FICO | creditLiabilitiesPage | 796 | 779 | Mid score from credit report |
| XXXX | XXXX | 10200431 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 10200431 | XXXX | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 10162206 | XXXX | Lender Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 10200482 | XXXX | Property City | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 10200482 | XXXX | Qualifying LTV | propertyValuationPage | 74.42 | 80.00 | Per 1008 rounded. |
| XXXX | XXXX | 10200482 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| XXXX | XXXX | 10217438 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 10217438 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.06 | 18.38 | Matches lenders 1008 |
| XXXX | XXXX | 10200501 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 10200501 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.15 | 37.55 | Due to Lenders 1008 has incorrect P&I |
| XXXX | XXXX | 10200456 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.83 | Not DSCR loan, 12 month bank statements provided |
| XXXX | XXXX | 10200457 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.82 | Loan is a 12 month bank statement not DSCR |
| XXXX | XXXX | 10200458 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 10200458 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | per appraisal |

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## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.3 - Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | XXXX | 9243498 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9212935 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4143.16 | 7.381 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2737.97 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9956977 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 61890 | 7.697 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 230943.2 | Yes | Employed |  | No |  | No |  |
| XXXX |  | 10101095 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10101097 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10100962 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 27731.5 | 7.18 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12261.02 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX |  | 10100941 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 65494 | 7.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 95497.41 | Yes | Employed |  | No |  | No |  |
| XXXX |  | 10100949 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11869 | 7.126 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27846.32 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX |  | 10101116 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10101106 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9917867 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6637.5 | 6.747 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6341.01 | Yes | Not Employed |  | No |  | No |  |
| XXXX |  | 10101007 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 38900.25 | 7.996 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13241.71 | Yes | Not Employed |  | No |  | No |  |
| XXXX |  | 10100969 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 27029.69 | 7.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 166450.72 | Yes | Employed |  | No |  | No |  |
| XXXX |  | 10101511 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18981.04 | Yes | Employed |  | No |  | Yes | Present |
| XXXX |  | 10100964 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7801.6 | 7.09 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4252.64 | Yes | Employed | Employed | No | No | No |  |
| XXXX |  | 10101055 | XXXX | 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 | 16512.75 | 8.564 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13186.48 | Yes | Employed |  | No |  | No |  |
| XXXX |  | 10101114 | XXXX | 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 |  | Yes | Present |
| XXXX | XXXX | 10026837 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14358.94 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX |  | 10100979 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21744 | 7.264 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 77364.8 | Yes | Employed |  | No |  | No |  |
| XXXX |  | 10101053 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 33402.88 | 6.898 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 101836.4 | Yes | Employed |  | No |  | No |  |
| XXXX |  | 10101028 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18445.25 | 8.087 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31201.27 | Yes | Employed |  | No |  | No |  |
| XXXX |  | 10100982 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18244 | 6.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | No | Yes | Yes | 14743.69 | Yes | Employed |  | No |  | No |  |
| XXXX |  | 10101112 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10101030 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 16369 | 8.097 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9356.26 | Yes | Employed | Employed | No | No | No |  |
| XXXX |  | 10026498 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10101021 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 29839 | 9.369 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11200.9 | Yes | Employed |  | No |  | No |  |
| XXXX |  | 10101500 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29525.97 | N/A | Employed |  | No |  | Yes | Present |
| XXXX |  | 10101102 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10101110 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10101518 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 9481.39 | Yes | Employed |  | No |  | Yes | Present |
| XXXX |  | 10110814 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10104472 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10110855 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10146803 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10110697 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10099443 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10104467 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10088637 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10088638 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10110847 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10110765 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2095 | 7.19 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 98594.68 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 10146800 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10151247 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10110701 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10156813 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10110815 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10110819 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10085642 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10151245 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10110901 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10110693 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10110694 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10110695 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10110704 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 10110845 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10146808 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10146807 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12355.63 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 10104477 | XXXX | 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 |
| XXXX | XXXX | 10156806 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11584.69 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10162210 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 42117.42 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10156809 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10110696 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 21905.65 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 10179762 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14648.31 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10162216 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3519.35 | Yes | Retired |  | No |  | Yes | Present |
| XXXX | XXXX | 10146810 | XXXX | 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 | Yes | N/A | N/A | N/A | N/A | 22054.7 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10162217 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11936.69 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | XXXX | 10162221 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 133691.72 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10156814 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10162220 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 39222.97 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10200431 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 6.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 185157.23 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 10162206 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14941.99 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 10161167 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3247.36 | 7.071 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40709.7 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 10179748 | XXXX | 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 | 29662.66 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10200482 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 30049.34 | Yes | Not Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10217438 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 282650.65 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10200501 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 1590 | 6.886 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 54705.84 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 10200456 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 430386.64 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10200457 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | 430336.64 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10220196 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9770 | 7.609 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6562.37 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 10200495 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 91605.9 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10200458 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 6.5 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 429541.02 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 10220147 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1690 | 7.428 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10066.3 | Yes | Employed |  | No |  | No |  |

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## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.3 - Schedule 5**

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| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 9243498 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9212935 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.53 | 42.53 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9956977 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.77 | 69.77 | XXXX | XXXX | .0093 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0093 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10101095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0100 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10101097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10100962 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 56.59 | 56.59 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX |  | 10100941 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.95 | 78.95 | XXXX | XXXX | -.0428 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0428 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10100949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0027 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10101116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.89 | 68.89 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX |  | 10101106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9917867 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.0 | 68.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX |  | 10101007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 10100969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0107 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10101511 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 10100964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0099 | 99.0 | 0.01 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10101055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0703 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0703 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0703 | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10101114 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10026837 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10100979 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0050 | 85.0 | 0.15 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10101053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.28 | 61.28 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0482 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10101028 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX |  | 10100982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 68.43 | 68.43 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10101112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX |  | 10101030 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 10026498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 51.72 | 51.72 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 10101021 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX |  | 10101500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.31 | 67.31 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX |  | 10101102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 10101110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0233 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10101518 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.97 | 72.97 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10110814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10104472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10110855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 51.92 | 51.92 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10146803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10110697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 10099443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10104467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10088637 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10088638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0056 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0056 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 10110847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10110765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10146800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 10151247 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 10110701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.17 | 73.17 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | XXXX | 10156813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10110815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.0 | 79.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 10110819 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0455 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0455 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10085642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.45 | 70.45 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 10151245 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.2 | 67.2 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 10110901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10110693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10110694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10110695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10110704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 10110845 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10146808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 10146807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 66.67 | 66.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10104477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 74.33 | 74.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.2 | XXXX |
| XXXX | XXXX | 10156806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10162210 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 10156809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10110696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 10179762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 10162216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.48 | 65.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10146810 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0356 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0356 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 10162217 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | XXXX | 10162221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10156814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 73.94 | 73.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10162220 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 10200431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | XXXX | 10162206 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 10161167 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 10179748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.87 | 69.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 10200482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.42 | 74.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10217438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10200501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10200456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.28 | 69.28 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 10200457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 46.44 | 46.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 10220196 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10200495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10200458 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 56.43 | 56.43 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 10220147 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.4**

![](ex994001.jpg)

![](ex994002.jpg)

**June 12, 2026**<br> **Due Diligence Narrative Report** <br>

![](ex994001.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 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 | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

MSRM 2026-NQM7 Due Diligence Narrative Report Page \| 1 June 12, 2026

![](ex994001.jpg)

Clayton Contact Information

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex994003.jpg) | **Ralph Fox** | Client Services – Senior Director |
|  |  | Phone: (813) 371-0281/E-mail: <u>rfox@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex994003.jpg) | **Joe Ozment** | VP Client Services and Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview** 

On behalf of theLender, Clayton conducted an independent third-party pre-securitization due diligence review of 44 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

On behalf of HomeXpress Mortgage Corp, Clayton conducted an independent third-party pre-securitization due diligence review of 81 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

On behalf of eResi Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of 6 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

On behalf of Capital Alliance, Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan. This loan was sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

The loans referenced in this narrative report were reviewed on a bulk and flow basis between October 2025 and April 2026 at Clayton's centralized underwriting facility in Tampa, FL. This narrative report provides information about the original lender, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loan in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;128 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.03% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**132** | &nbsp;&nbsp;**100.00%** |

---

MSRM 2026-NQM7 Due Diligence Narrative Report Page \| 2 June 12, 2026

![](ex994001.jpg)

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

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

Sampling

For all originators in this transaction, 67.42% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count*** <br> ***Reviewed by Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;89\* | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;132<br>|  |

---

\*43 loans were not reviewed for regulatory compliance in accordance with paragraph 2 of the "Compliance Review (Business Purpose, Non-Owner Occupied)"

Sponsor Acquisition Criteria

Clayton was supplied with the related guidelines in advance of our review. The subject loans were reviewed pursuant to the applicable originator's guidelines.

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. 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.

<sup>1</sup> Standard and Poor's, Moody's, Fitch, Kroll, Morningstar, and DBRS

MSRM 2026-NQM7 Due Diligence Narrative Report Page \| 3 June 12, 2026

![](ex994001.jpg)

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

![](ex994004.jpg)

TPR Component Review Scope

Clayton examined each loan file 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 this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 Data Verify/Fraudguard/Interthinx or similar risk evaluation report, which was ordered
 by the Seller and received by Clayton for Nationwide Multistate Licensing System and
 Registry ("NMLS") and occupancy status alerts. Clayton researched alert information
 against loan documentation and assigned loan conditions accordingly.

MSRM 2026-NQM7 Due Diligence Narrative Report Page \| 4 June 12, 2026

![](ex994001.jpg)

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (132 loans)

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

– For more detail on the original appraisal review scope and desk review definitions, please refer to <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 (89 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. Clayton had independent access to all products listed below.

● AVM

● BPO

● Desk Review

● Field Review

● Second Full Appraisal

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

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on this transaction included the elements summarized below.

(For more detail, please refer to <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;

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, as further described on <u>Appendix C</u> attached hereto and

MSRM 2026-NQM7 Due Diligence Narrative Report Page \| 5 June 12, 2026

![](ex994001.jpg)

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' on or after 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; and

– 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 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.

Following the June 15<sup>th</sup> , 2016 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 Morgan Stanley Mortgage Capital Holdings.

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

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

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

MSRM 2026-NQM7 Due Diligence Narrative Report Page \| 6 June 12, 2026

![](ex994001.jpg)

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

● Virginia Lender and Broker Act after 6/1/2008

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payments

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4. data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

Data Integrity

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each
 discrepancy is reported on the Clayton Loan Level Tape Compare.

MSRM 2026-NQM7 Due Diligence Narrative Report Page \| 7 June 12, 2026

![](ex994001.jpg)

**Data Compare Results** 

Clayton provided Morgan Stanley Mortgage Capital Holdings, LLC (MSMCH) with copies of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;96.21% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.24% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;32 | &nbsp;&nbsp;75.76% |
| &nbsp;&nbsp;Combined Loan to Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.24% |
| &nbsp;&nbsp;Loan Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Loan to Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.24% |
| &nbsp;&nbsp;Months PITI Reserves | &nbsp;&nbsp;31 | &nbsp;&nbsp;76.52% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.24% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;12 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;92.42% |
| &nbsp;&nbsp;Qualifying DTI (Back) | &nbsp;&nbsp;8 | &nbsp;&nbsp;93.94% |
| &nbsp;&nbsp;Representative Score | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.48% |

---

**Clayton Due Diligence Results** 

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

**Initial and Final Overall Loan Grade Results (SEC)**

<u>Loan Pool (132 loans)</u>

![](ex994005.jpg)

MSRM 2026-NQM7 Due Diligence Narrative Report Page \| 8 June 12, 2026

![](ex994001.jpg)

**Initial and Final Overall Loan Grade Results (S&P)**

<u>Loan Pool (132 loans)</u>

![](ex994006.jpg)

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

**Initial and Final Credit Component Grade Results (SEC and S&P)**

![](ex994007.jpg)

**Initial and Final Property Valuation Grade Results (SEC)**

![](ex994008.jpg)

**Initial and Final Property Valuation Grade Results (S&P)**

![](ex994009.jpg)

MSRM 2026-NQM7 Due Diligence Narrative Report Page \| 9 June 12, 2026

![](ex994001.jpg)

**Initial and Final Regulatory Compliance Grade Results\***![](ex994010.jpg)

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (43 loans in pool)

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Loan
 Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Waived
 Conditions Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuations
 Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Attestation
 Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. ASF
 Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Standard
 Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Non-ATR
 QM Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Guideline
 Report

**Appendix A: Credit Review Scope** 

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

MSRM 2026-NQM7 Due Diligence Narrative Report Page \| 10 June 12, 2026

![](ex994001.jpg)

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

○ Employment analyzed and verified through use of various documents, including:

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

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

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

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

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

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

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

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

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

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

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

○ Asset review included:

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

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

MSRM 2026-NQM7 Due Diligence Narrative Report Page \| 11 June 12, 2026

![](ex994001.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;▪ Depository
 account statements

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

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

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

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

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

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

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

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

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

**Appendix B: Origination Appraisal Assessment** 

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

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

○ Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

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

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

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

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○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

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

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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

○ Title XI of FIRREA:

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

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

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

○ USPAP

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

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

○ Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

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○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk
 Review definitions

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

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

**Appendix C: Regulatory Compliance Review Scope** 

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

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

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

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

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

○ Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

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

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

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

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

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

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

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

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

○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

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

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

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

○ TILA/RESPA Integrated Disclosures ("TRID")

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

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

● Pre-application forms cannot look similar to the LE

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

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

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

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

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

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

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

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

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

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

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

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

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

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

● Once a fee is disclosed it must remain substantially the same name across disclosures.

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

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

● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

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

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

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

● That there is either a signature or a Loan Acceptance statement on the form.

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

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

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

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

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

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

● Corrected CD's provided with a post-close refund.

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

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

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

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

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

● Affiliated Business Disclosure (can impact fee tolerances)

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

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

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

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

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

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

**<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 |

---

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---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**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 |  |

---

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**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.

**<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.)

MSRM 2026-NQM7 Due Diligence Narrative Report Page \| 21 June 12, 2026

![](ex994001.jpg)

**<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.

MSRM 2026-NQM7 Due Diligence Narrative Report Page \| 22 June 12, 2026

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.4 - Schedule 1**

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 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 |
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **MSRM 2026-NQM7** | **MSRM 2026-NQM7** | **MSRM 2026-NQM7** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **10/23/2025 - 4/07/2026** | **10/23/2025 - 4/07/2026** | **10/23/2025 - 4/07/2026** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **132** | **132** | **132** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *132* | *132* | *132* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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** | **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** |
| 10110817 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2058.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2400.00 | 1.1658 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -847.55 | 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 | 1180.00 | No | (No Data) | 1.3922 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1987.98 | 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 | 2425.00 | No | (No Data) | 1.2198 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10026516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6354.04 | 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 | 9034.00 | No | (No Data) | 1.4218 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1143.12 | 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 | 1338.00 | No | (No Data) | 1.1705 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2903.91 | 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 | Yes | Yes | 5219.00 | No | (No Data) | 1.7972 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10110965 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6368.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 7125.00 | 1.1187 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026566 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3697.68 | 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 | 4500.00 | No | (No Data) | 1.2170 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1444.22 | 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 | 1700.00 | No | (No Data) | 1.1771 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110881 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1142.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.7498 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026593 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2749.27 | 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 | 2800.00 | No | (No Data) | 1.0185 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10110928 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1458.08 | 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 | 1900.00 | No | (No Data) | 1.3031 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3633.65 | 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 | 3650.00 | No | (No Data) | 1.0045 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026608 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5758.55 | 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 | Yes | Yes | 9600.00 | No | (No Data) | 1.6671 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026615 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10848.57 | 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 | 11000.00 | No | (No Data) | 1.0140 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10026618 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1227.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.2221 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110929 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3284.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Unknown | (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 | 5500.00 | No | (No Data) | 1.6748 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1041.13 | 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 | 1200.00 | No | (No Data) | 1.1526 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1170.95 | 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 | 1350.00 | No | (No Data) | 1.1529 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110859 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2984.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3150.00 | No | (No Data) | 1.0556 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 10110841 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2866.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 1.0115 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110834 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -18995.6 | 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 | 19000.00 | No | (No Data) | 1.0002 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10110936 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1817.34 | 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 | 1900.00 | No | (No Data) | 1.0455 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1817.34 | 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 | 1900.00 | No | (No Data) | 1.0455 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110947 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1817.34 | 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 | 1900.00 | No | (No Data) | 1.0455 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1817.34 | 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 | 1900.00 | No | (No Data) | 1.0455 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -767.45 | 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 | 975.00 | No | (No Data) | 1.2704 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2237.96 | 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 | Yes | Yes | 2442.00 | No | (No Data) | 1.0912 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110893 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1126.82 | 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 | 1550.00 | No | (No Data) | 1.3756 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Green Card | Employment Authorization Document | (No Data) | (No Data) |
| 10110878 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1113.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.3475 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110941 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2673.56 | 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 | 2700.00 | No | (No Data) | 1.0099 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10110880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | 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 | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4972.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6395.00 | No | (No Data) | 1.2860 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110886 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1430.95 | 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 | 1600.00 | No | (No Data) | 1.1181 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110842 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9724.12 | 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 | 10500.00 | No | (No Data) | 1.0798 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2497.69 | 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 | 2500.00 | No | (No Data) | 1.0009 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1242.84 | 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 | 1550.00 | No | (No Data) | 1.2471 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110953 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7400.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7500.00 | No | (No Data) | 1.0135 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110902 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1231.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.2178 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10110801 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 3.188 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3678.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4600.00 | No | (No Data) | 1.2504 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10110856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3273.62 | 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 | 3500.00 | No | (No Data) | 1.0692 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3447.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3450.00 | No | (No Data) | 1.0008 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10110948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 6.4900 | No | No | 3.245 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11477.09 | 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 | 13050.00 | No | (No Data) | 1.1371 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101113 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2624.73 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | 2530.00 | No | (No Data) | 0.9639 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10101497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 12.38 | 0 | 12.38 | 12.38 | 12.38 | (No Data) | (No Data) | (No Data) | 40284.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101000 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.3432 | Yes | Yes | 3.312 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.49 | 30.48 | 30.49 | 30.48 | 30.48 | 30.48 | No | No | (No Data) | 5394.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10100935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.7267 | No | No | 4.868 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.31 | 45.31 | 45.31 | 45.31 | 45.31 | 45.31 | No | Yes | Yes | 2819.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | (No Data) |
| 10100936 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9166 | Yes | Yes | 1.299 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 12.32 | 12.32 | 12.32 | 12.32 | 12.32 | 12.32 | No | Yes | Yes | 58097.81 | Yes | 60 | Yes | Yes | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10007275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.4695 | No | No | 2.717 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.66 | 47.66 | 47.66 | 47.66 | 47.66 | 47.66 | No | No | (No Data) | 4672.49 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | 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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100937 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 6.4321 | Yes | Yes | 0.762 | 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 | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21 | 21.14 | 21.14 | 21.14 | 21.14 | 21.14 | No | No | (No Data) | 25309.5 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2212 | Yes | Yes | 1.002 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.04 | 40.21 | 40.04 | 40.21 | 40.21 | 40.21 | No | No | (No Data) | 21705.26 | 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) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 120 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100940 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8097 | No | No | 1.578 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.45 | 47.45 | 47.45 | 47.45 | 47.45 | 47.45 | No | Yes | Yes | 12960.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 7 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 7 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100942 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7903 | Yes | Yes | 2.927 | 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) | 21.8 | 21.8 | 21.8 | 21.8 | 21.8 | 21.8 | No | No | (No Data) | 81310.18 | 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 | 11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 11 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100943 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9568 | Yes | Yes | 0.978 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.05 | 30.02 | 30.05 | 26.86 | 26.86 | 30.02 | No | Yes | Yes | 53260.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100944 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7056 | Yes | Yes | 2.999 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.44 | 42.43 | 42.44 | 42.43 | 42.43 | 42.43 | No | No | (No Data) | 6175.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1897.5 | 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 | 1900.00 | No | (No Data) | 1.0013 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101004 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5957 | No | No | 2.221 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.54 | 47.5 | 47.54 | 47.5 | 47.5 | 47.5 | No | No | (No Data) | 12297.42 | 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) | 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> Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101005 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3139 | Yes | Yes | 2.981 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.12 | 42.12 | 42.12 | 42.12 | 42.12 | 42.12 | No | No | (No Data) | 7178.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | (No Data) |
| 10101006 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8537 | Yes | Yes | 3.842 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.95 | 31.68 | 32.95 | 31.68 | 31.68 | 31.68 | No | No | (No Data) | 8118.58 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10101008 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1256 | Yes | Yes | 3.303 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.5 | 31.05 | 32.5 | 31.05 | 31.05 | 31.05 | No | No | (No Data) | 9667.22 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 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 | (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 Data) | (No Data) | (No Data) | (No Data) |
| 10100947 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.6614 | Yes | Yes | 3.02 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 13.39 | 13.39 | 13.39 | 13.39 | 13.39 | 13.39 | No | No | (No Data) | 27151.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5677 | Yes | Yes | 1.667 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.63 | 24.63 | 24.63 | 24.63 | 24.63 | 24.63 | No | No | (No Data) | 15626.24 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10101009 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.1572 | Yes | Yes | 3.84 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.86 | 39.5 | 39.86 | 39.5 | 39.5 | 39.5 | No | No | (No Data) | 13222.27 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10100950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.7722 | Yes | Yes | 3.845 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.72 | 21.72 | 21.72 | 21.72 | 21.72 | 21.72 | No | Yes | Yes | 38718.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10101501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.1250 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.19 | 0 | 41.19 | 41.19 | 41.19 | (No Data) | (No Data) | (No Data) | 16734.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Yes | 17 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Personal Bank Statements - 17 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101011 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.1307 | No | No | 4.223 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.56 | 44.56 | 44.56 | 44.56 | 44.56 | 44.56 | No | Yes | Yes | 4365.48 | 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 | 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 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101111 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2574.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2350.00 | No | (No Data) | 0.9127 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100951 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4878 | Yes | Yes | 1.413 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.83 | 18.53 | 18.83 | 16.28 | 16.28 | 17.38 | No | No | (No Data) | 43608.5 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10100952 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3401 | No | No | 2.147 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.61 | 48.61 | 48.61 | 48.61 | 48.61 | 48.61 | No | No | (No Data) | 17347.22 | 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 | 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) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Business Bank Statements - 24 months;<br> CPA Letter - 84 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101013 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7897 | No | No | 2.918 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.88 | 49.67 | 47.88 | 49.67 | 49.67 | 49.67 | No | No | (No Data) | 2218.48 | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100954 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7545 | Yes | Yes | 2.311 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.41 | 18.41 | 18.41 | 18.41 | 18.41 | 18.41 | No | Yes | Yes | 23554.73 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | (No Data) |
| 10100955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5121 | No | No | 2.402 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.26 | 44.83 | 45.26 | 44.83 | 44.83 | 44.83 | No | No | (No Data) | 11735.02 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10100956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 6.7230 | Yes | Yes | 2.633 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.56 | 21.56 | 21.56 | 21.56 | 21.56 | 21.56 | No | Yes | Yes | 18646.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7491 | Yes | Yes | 2.311 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.49 | 38.49 | 38.49 | 38.49 | 38.49 | 38.49 | No | Yes | Yes | 8593.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 11 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0279 | No | No | 1.674 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.34 | 48.34 | 48.34 | 48.34 | 48.34 | 48.34 | No | No | (No Data) | 11193.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8136 | Yes | Yes | 3.585 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.05 | 40.05 | 40.05 | 36.54 | 36.54 | 36.54 | No | No | (No Data) | 12117.29 | 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) | 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 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | IRS Transcripts – W2(s) - 12 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3325 | Yes | Yes | 3.493 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.18 | 36.18 | 36.18 | 36.18 | 36.18 | 36.18 | No | No | (No Data) | 18507.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5512 | Yes | No | 1.818 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.83 | 34.21 | 49.83 | 31.08 | 31.08 | 32.49 | No | No | (No Data) | 10374.88 | 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 | 10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 10 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7663 | Yes | Yes | 0.115 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.61 | 18.61 | 18.61 | 18.61 | 18.61 | 18.61 | No | Yes | Yes | 72823 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.6426 | Yes | Yes | 4.6 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.6 | 33.26 | 41.6 | 33.26 | 33.26 | 33.26 | No | No | (No Data) | 7508.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100961 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9623 | Yes | Yes | 0.828 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.66 | 41.66 | 41.66 | 41.66 | 41.66 | 41.66 | No | No | (No Data) | 36754.5 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100963 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1305 | No | No | 1.251 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.39 | 47.21 | 47.39 | 47.21 | 47.21 | 47.21 | No | No | (No Data) | 21323.18 | 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) | Yes | 12 | 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;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.6182 | No | No | 3.24 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.1 | 47.1 | 47.1 | 47.1 | 47.1 | 47.1 | No | No | (No Data) | 7635.49 | 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 | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> Personal Bank Statements - 1 months;<br> W2 - 12 months | Personal Bank Statements - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101108 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2383.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2125.00 | No | (No Data) | 0.8914 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.6237 | No | No | 3.561 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.87 | 51.41 | 50.87 | 51.41 | 51.41 | 51.41 | No | No | (No Data) | 4567.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2313.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1949.00 | No | (No Data) | 0.8425 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9889 | No | No | 2.317 | 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 | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.45 | 48.45 | 48.45 | 48.45 | 48.45 | 48.45 | No | No | (No Data) | 9021.65 | 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) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 72 months;<br> W2 - 24 months | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.5746 | No | No | 4.735 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.91 | 49.91 | 49.91 | 49.91 | 49.91 | 49.91 | No | No | (No Data) | 4299.1 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100968 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3218 | No | No | 2.736 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.61 | 46.6 | 46.61 | 46.6 | 46.6 | 46.6 | No | No | (No Data) | 4938.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (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) | Yes | No | 1 | 6.8752 | Yes | Yes | 3.781 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.29 | 32.18 | 32.29 | 32.18 | 32.18 | 32.18 | No | No | (No Data) | 9145.81 | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 10101039 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0494 | No | No | 2.365 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.6 | 49.6 | 49.6 | 49.6 | 49.6 | 49.6 | No | No | (No Data) | 11170.26 | 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 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10100970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.2165 | Yes | Yes | 4.446 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 15.44 | 15.07 | 15.44 | 15.07 | 15.07 | 15.07 | No | No | (No Data) | 15995.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.1250 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.29 | 0 | 41.29 | 41.29 | 42.27 | (No Data) | (No Data) | (No Data) | 15603.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100972 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5868 | Yes | Yes | 0.722 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.12 | 33.12 | 33.12 | 33.12 | 33.12 | 33.12 | No | Yes | Yes | 23437.05 | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100973 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3755 | No | No | 1.248 | 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) | 46.31 | 46.31 | 46.31 | 46.31 | 46.31 | 46.31 | No | No | (No Data) | 90712.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101041 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0713 | No | No | 2.387 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.61 | 45.55 | 45.61 | 45.55 | 45.55 | 45.55 | No | No | (No Data) | 7311 | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 10101512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 35.74 | 0 | 35.74 | 35.74 | 35.74 | (No Data) | (No Data) | (No Data) | 21359.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 72 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100974 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2767 | Yes | Yes | 0.28 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.2 | 26.65 | 26.2 | 26.65 | 26.65 | 26.65 | No | No | (No Data) | 19487.79 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10101043 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.5831 | Yes | Yes | 3.41 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.34 | 29.34 | 29.34 | 29.34 | 29.34 | 29.34 | No | No | (No Data) | 6554.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10100975 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.9609 | Yes | Yes | 3.277 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.83 | 34.55 | 34.83 | 34.55 | 34.55 | 34.55 | No | No | (No Data) | 5835.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 32 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100976 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2837 | Yes | Yes | 1.791 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.14 | 28.14 | 23.9 | 23.9 | 23.9 | 26.01 | No | No | (No Data) | 12209.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | (No Data) |
| 10101047 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8975 | Yes | Yes | 1.207 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.78 | 16.78 | 16.78 | 16.78 | 16.78 | 16.78 | No | Yes | Yes | 68895.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10100981 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7166 | Yes | Yes | 1.558 | 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) | 22.06 | 22.06 | 22.06 | 22.06 | 22.06 | 22.06 | No | No | (No Data) | 16886.3 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10101049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.3875 | No | No | 3.403 | 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 | 43.06 | 43.06 | 43.06 | 43.06 | 43.06 | 43.06 | No | No | (No Data) | 7726.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100983 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9620 | Yes | Yes | 1.957 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.64 | 29.64 | 29.64 | 29.64 | 29.64 | 29.64 | No | Yes | Yes | 18357.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | Other | 108 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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> W2 - 12 months;<br> Written VOE - 108 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.1394 | No | No | 4.278 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.74 | 44.78 | 45.74 | 44.78 | 44.78 | 44.78 | No | No | (No Data) | 6319.43 | 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 | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100986 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6299 | Yes | Yes | 2.174 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.16 | 39.05 | 39.16 | 39.05 | 39.05 | 39.05 | No | No | (No Data) | 30096.37 | 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) | 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 | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3238.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 0.8955 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 16.17 | 0 | 16.17 | 16.17 | 16.17 | (No Data) | (No Data) | (No Data) | 68432.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 33.51 | 0 | 33.51 | 33.51 | 33.51 | (No Data) | (No Data) | (No Data) | 7024.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10101093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1367.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1105.00 | No | (No Data) | 0.8080 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100991 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0652 | Yes | Yes | 2.991 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.01 | 31.01 | 31.01 | 31.01 | 31.01 | 31.01 | No | No | (No Data) | 8540.79 | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | Yes | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4923 | Yes | Yes | 1.138 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.25 | 17.25 | 17.25 | 17.25 | 17.25 | 17.25 | No | No | (No Data) | 90207.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100992 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | 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 | 6.5414 | Yes | Yes | 1.58 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.71 | 40.71 | 40.71 | 40.71 | 40.71 | 40.71 | No | No | (No Data) | 5891.49 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.36 | 0 | 41.36 | 41.36 | 41.36 | (No Data) | (No Data) | (No Data) | 8719.27 | 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) | 220 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 11 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 220 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2103.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 0.8555 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10101062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6667 | Yes | Yes | 2.772 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.73 | 31.73 | 31.73 | 31.73 | 31.73 | 31.73 | No | Yes | Yes | 34461.56 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10100993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5096 | Yes | Yes | 2.078 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 7.95 | 7.73 | 7.95 | 7.73 | 7.73 | 7.73 | No | No | (No Data) | 248039.4 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10101063 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.9983 | Yes | Yes | 4.307 | 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 | 29.06 | 29.06 | 29.06 | 29.06 | 29.06 | 29.06 | No | No | (No Data) | 3337.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | 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> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100994 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.6879 | Yes | Yes | 3.067 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.73 | 40.73 | 40.73 | 40.73 | 40.73 | 40.73 | No | No | (No Data) | 9719.58 | 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) | 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> Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10100996 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0125 | Yes | Yes | 0.156 | 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 | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.46 | 33.46 | 33.46 | 33.46 | 33.46 | 33.46 | No | No | (No Data) | 10740.07 | 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 | 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 | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10101067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3582 | Yes | Yes | 2.828 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.54 | 31.51 | 31.51 | 31.51 | 31.51 | 31.51 | No | No | (No Data) | 5563.31 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | (No Data) |
| 10101068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4649 | Yes | Yes | 1.788 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.21 | 20.21 | 20.21 | 20.21 | 20.21 | 20.21 | No | Yes | Yes | 29607.2 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 10101524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | 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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 10.71 | 0 | 10.71 | 10.71 | 10.71 | (No Data) | (No Data) | (No Data) | 33276.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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) | 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) | 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 - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10161141 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9355 | Yes | No | 2.552 | 2.552 | No | 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 | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.48 | 25.46 | 0 | 25.46 | 25.46 | 25.46 | No | Yes | Yes | 12299.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 12 | Yes | 12 | 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> IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10162228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 2%, 1% of amt prepd in 12 mos that is >20% of OPB in year 1,2 | (No Data) | No | Yes | 1 | 7.2499 | Yes | No | 1.6 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 29.02 | 0 | 29.02 | 29.02 | 32.09 | (No Data) | (No Data) | (No Data) | 56563.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10217431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.9900 | Yes | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 10.68 | 0 | 10.68 | 10.68 | 10.68 | (No Data) | (No Data) | (No Data) | 291820.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | Business Bank Statements - 12 months;<br> CPA Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10217433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.9900 | Yes | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 9.89 | 0 | 9.89 | 9.89 | 9.89 | (No Data) | (No Data) | (No Data) | 294391.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110981 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7436.21 | 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 | Yes | Yes | 10789.00 | No | (No Data) | 1.4509 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1336.24 | 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 | 1650.00 | No | (No Data) | 1.2348 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9694017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepaid in 12 mos | (No Data) | Yes | Yes | 1 | 7.4900 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 37.86 | 0 | 37.86 | 37.86 | 37.86 | (No Data) | (No Data) | (No Data) | 23731.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10217407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9275 | No | No | 0.306 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.44 | 50.35 | 48.44 | 50.35 | 50.35 | 50.35 | No | No | (No Data) | 30671.88 | 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 | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10210134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2162 | Yes | Yes | 0.769 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.97 | 30.32 | 30.97 | 30.32 | 30.32 | 30.32 | Yes | Yes | Yes | 30305.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | (No Data) |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.4 - Schedule 2**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2026-NQM7** |
| **Start - End Dates:** | **10/23/2025 - 4/07/2026** |
| **Deal Loan Count:** | **132** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *132* |
| ***Loans with Conditions:*** | *78* |
| **26 - Total Active Conditions** | **26 - Total Active Conditions** |
| **26 - Non-Material Conditions** | **26 - Non-Material Conditions** |
|  | 23 - Credit Review Scope |
|  | 6 - Category: Ability to Repay/Qualified Mortgage |
|  | 3 - Category: Assets |
|  | 5 - Category: Credit/Mtg History |
|  | 4 - Category: Legal Documents |
|  | 3 - Category: LTV/CLTV |
|  | 2 - Category: Terms/Guidelines |
|  | 1 - Property Valuations Review Scope |
|  | 1 - Category: FEMA |
|  | 2 - Compliance Review Scope |
|  | 2 - Category: Right of Rescission |
| **131 - Total Satisfied Conditions** | **131 - Total Satisfied Conditions** |
|  | 47 - Credit Review Scope |
|  | 2 - Category: Application |
|  | 6 - Category: Assets |
|  | 8 - Category: Credit/Mtg History |
|  | 3 - Category: DTI |
|  | 16 - Category: Income/Employment |
|  | 1 - Category: Insurance |
|  | 4 - Category: Legal Documents |
|  | 1 - Category: Terms/Guidelines |
|  | 6 - Category: Title |
|  | 19 - Property Valuations Review Scope |
|  | 7 - Category: Appraisal |
|  | 1 - Category: FEMA |
|  | 10 - Category: Property |
|  | 1 - Category: Value |
|  | 65 - Compliance Review Scope |
|  | 9 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Compliance Manual |
|  | 2 - Category: Documentation |
|  | 2 - Category: Right of Rescission |
|  | 51 - Category: TILA/RESPA Integrated Disclosure |
| **7 - Total Waived Conditions** | **7 - Total Waived Conditions** |
|  | 6 - Credit Review Scope |
|  | 1 - Category: Assets |
|  | 1 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 1 - Category: Income/Employment |
|  | 1 - Category: Legal Documents |
|  | 1 - Category: LTV/CLTV |
|  | 1 - Property Valuations Review Scope |
|  | 1 - Category: Appraisal |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

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| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **MSRM 2026-NQM7** | **MSRM 2026-NQM7** | **MSRM 2026-NQM7** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **10/23/2025 - 4/07/2026** | **10/23/2025 - 4/07/2026** | **10/23/2025 - 4/07/2026** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **132** | **132** | **132** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *132* | *132* | *132* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *78* | *78* | *78* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 10110817 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 24.85 months. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 785 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV is below the 75% max. |
| 10110822 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | N/A | N/A | D | B | B | B | D | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Loan amount below the minimum loan amount. Exception approved to allow loan amount below $XXX. XXX considers this non material due to compensating factors, borrower is experienced investor, credit score is 720/700 required, borrower has 57 months reserves with 3 required, and housing payment is decreasing by 61%, $XXX per month. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by $1334.11/month or 61.15%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 720 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Back $XXX, 57.73 months reserves, 3 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 64 months reviewed for primary residence mtg, exceeds the required 12 months |
| 10110822 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | N/A | N/A | D | B | B | B | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation with either a CDA or UCDP CU score of <2.5 | 2-27-26 Client uploaded CDA. | 2-27-26 XXX reviewed CDA and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by $1334.11/month or 61.15%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 720 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Back $XXX, 57.73 months reserves, 3 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 64 months reviewed for primary residence mtg, exceeds the required 12 months |
| 10110950 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves= $XXX, 132.78 months. 9 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 62.92%; guidelines allows 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 718 is above the required 620. |
| 10026516 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: 12 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 377 months of 0x30 consumer credit history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV is below the 85% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 756 credit score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 11.39 months reserves are above the 0 required. |
| 10026520 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: 3 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 0x30 consumer credit history since 4/2020 per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 715 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% current LTV is below the 75% maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 120.38 months of reserves are above the required 3 months. |
| 10026524 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 106.99 months reserves are above the required 0.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 739 FICO score above the required 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 2 years mortgage history is above the required 1. |
| 10110965 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | VOM from XXX Verifies only 6 months payments, obtain additional 6 months on previous loan which title work indicates is same lender. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 38.03 months or reserves are above the 3 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 732 FICO score is above the 700 min. |
| 10026566 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 789 qualifying credit score per CBR.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 24 years living at primary home.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 229 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 31.54 months of reserves in file. |
| 10110811 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX, 11.42 months; 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 717 is 17 points above minimum program requirement of 700.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has 0x30 for 83 months. |
| 10110881 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | N/A | N/A | B | A | B | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing evidence of borrower's primary residence located at XXX being owned by XXX free and clear of liens. | 2-23-26 Client emailed evidence that primary residence is not in borrower's name and lives rent free. | 2-24-26 XXX reviewed evidence of primary residence (Property report) which reflects property is not in borrower's name and a letter stating living rent free dated XXX Property report establishes that property is not in borrower's name therefore there is no mortgage to verify or need for property to be free and clear. Borrower is considered a first time investor as properties owned less than 12 months, however borrower meets guidelines for first time investor as DSCR is over 1 with FICO over 680. Borrower is not a first time homeowner as 3 other properties are owned. The fraud report with active MERS ties the borrower to XXX along with LLC Articles of Organization provided in trailing docs. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14.98 months of reserves are above the required 0.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV is below the 85% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 758 FICO score is above the 660 min. |
| 10026593 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 month payment history. Active Funding opened XXX and XXX opened XXX. Guidelines require a full 12 month payment history or evidence property was owned free and clear prior to XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 709 exceeds the minimum of 700<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 13% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 155.87 months reserves, 3 months required |
| 10026593 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Please provide Final HUD-1. HUD-1 in file has a disbursement date of XXX. Transaction date is XXX | 1-8-26 Client uploaded final HUD. | 1-8-26 XXX reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 709 exceeds the minimum of 700<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 13% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 155.87 months reserves, 3 months required |
| 10026593 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation per Guidelines a CDA or AVM is required due to appraisal being a transfer. | 1-8-26 Client uploaded AVM. | 1-8-26 XXX reviewed AVM and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 709 exceeds the minimum of 700<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 13% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, 155.87 months reserves, 3 months required |
| 10110928 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | A | A | A | A | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines allow 4 HEM financed properties. Per file and system borrower will have 6. Provide Approved credit committee review. | 1-27-26 Client uploaded approved credit committee review for 6 HEM loans. | 1-27-26 XXX reviewed approved credit committee review which is acceptable. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 761 FICO score is above the 700 min.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal credit usage ratio of 5%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 32.05 months of reserves are above the required 9. |
| 10110928 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | 5% LTV exception as loan is considered a cash out due to the pay off of a PIK loan (Sec 1.4.1.2).Loan closed at 79.9989% and max is 75%. | 1-27-26 Client uploaded post close exception. | 1-27-26 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 761 FICO score is above the 700 min.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal credit usage ratio of 5%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 32.05 months of reserves are above the required 9. |
| 10110900 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXX Comments: 12% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close assets are $XXX, 15.71 months, 3 months required. |
| 10026608 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 795 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves= $XXX, 13.02 months. 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is below the maximum allowable of 85%. |
| 10026615 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of777 is above the required 740<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 41.18% is below the maximum allowable of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or 21.67 months of PITIA. 6 months required. |
| 10026618 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 744 is 4 points above minimum program requirement of 740.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 56.529%; guidelines allow 80%.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has 0x30 for 81 months.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 21 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 357 months of 0x30 consumer credit history per CBR. |
| 10110929 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 90.91 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 18.53% and maximum is 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 811 and minimum is 620 |
| 10110922 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 683 is above minimum program requirement of 620.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower only using 19% of available revolving credit.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 47.847%; guidelines allow 75%. |
| 10110839 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 68.03 is below guideline requirement max of 70.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or 78.72 months PITI reserve exceeds required reserves of 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative score of 702 exceeds guideline requirement of 660. |
| 10110859 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3824: Borrower contributed an additional down payment<br> - XXX Comments: Borrower contributed an additional 5% towards down payment above the required 15%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%; guidelines allows 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 701 is above the required 660. |
| 10110841 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: No late payments on credit report.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 814 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 140.40 months of reserves are above the required 3. |
| 10110834 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Lease in file reflects tenant as XXX and wire transfers for rent are from XXX. Provide satisfactory evidence linking XXX to XXX. Lease and evidence of rent is a requirement due to subject property being borrowers previous primary residence (sec 1.8.2.4). | 2-6-26 Client replied: Uploaded PC exception for borrower being owner of leasing entity and proof borrower owns both co. | 2-10-26 XXX reviewed information reflecting the owner of XXX and XXX to be XXX. Post close exception appears to be incorrect. Client confirmed that exception was not accurate. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 46.387% LTV is below the 65% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 17.04 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 677 FICO score is above the 660 min |
| 10110834 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing evidence that borrower is not part of the leasing entity XXX or XXX. Guidelines state: Lease agreements made to entities are acceptable - the borrower cannot be part of the entity. (Sec 1.8.2.1.1) | 2-6-26 Client replied: Uploaded PC exception for borrower being owner of leasing entity and proof borrower owns both co. | 2-10-26 XXX reviewed information reflecting the owner of XXX and XXX to be XXX. Post close exception appears to be incorrect. Client confirmed that exception was not accurate. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 46.387% LTV is below the 65% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 17.04 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 677 FICO score is above the 660 min |
| 10110834 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final settlement statement/HUD 1. | 2-3-26 Client uploaded final HUD | 2-04-26 XXX reviewed final HUD and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 46.387% LTV is below the 65% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 17.04 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 677 FICO score is above the 660 min |
| 10110834 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Missing 2nd Appraisal and 1007 (from XXX) required for loan amount supporting a value of at least $XXX and Fair market rent of $XXX. Note: Same Appraisal sent 2 times. | 2-3-26 Client uploaded 2nd appraisal. | 2-4-26 XXX reviewed appraisal and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 46.387% LTV is below the 65% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 17.04 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 677 FICO score is above the 660 min |
| 10110936 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Missing Approved credit committee review for borrower having more than 4 loans. 1008 indicates a 8 pack of loans and there is a letter in the file from borrower indicating 8 properties. | 2-18-26 Client replied: UPLOADED - Credit Committee Approval | 2-19-26 XXX reviewed credit committee review approval and updated max financed properties to 9 (8 HEM, 1 other). Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative score of 756 exceeds guideline requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrowers credit usage ratio of 4% reflects a minimal use of credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or 107.08 months PITI reserve exceeds required reserves of 3 months. |
| 10110936 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Legal Documents | Active | B | B | B | B | CRDLGL4033 | Missing Legal Document(s) | No | Missing a copy of blanket loan note with XXX required per guidelines when subject property is encumbered by a blanket/cross collateralized loan, the transaction is considered cash out. Copy of the note will be required to verify the payoff/release terms. (sec 1.8.2.4)XXX deems non-material/non-fatal to lending decision as payoff in file indicates the payoff to release the subject property and compensating factors: 107.08 months cash reserves/3 required, credit score 756/700 minimum and minimal credit use at 4%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative score of 756 exceeds guideline requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrowers credit usage ratio of 4% reflects a minimal use of credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or 107.08 months PITI reserve exceeds required reserves of 3 months. |
| 10110958 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Missing Approved credit committee review for borrower having more than 4 loans. 1008 indicates a 8 pack of loans. | 2-19-26 Client replied: Please see the uploaded doc | 2-19-26 XXX reviewed approved credit committee review form reflecting 8 HEM loans. Changed Max number of financed properties to 9 (8 HEM and 1 other). Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 756 exceeds the minimum required 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 4% Consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 107.06 months piti reserves. 3 required. |
| 10110958 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Active | D | B | D | B | CRDLGL4033 | Missing Legal Document(s) | No | Missed exception: Missing a copy of blanket loan note with XXX required per guidelines when subject property is encumbered by a blanket/cross collateralized loan, the transaction is considered cash out. Copy of the note will be required to verify the payoff/release terms. (sec 1.8.2.4)XXX deems non-material/non-fatal to lending decision as payoff in file indicates the payoff to release the subject property and compensating factors: 107.06 months cash reserves/3 required, credit score 756/700 minimum and minimal credit use at 4%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 756 exceeds the minimum required 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 4% Consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 107.06 months piti reserves. 3 required. |
| 10110947 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Missed exception: Missing Approved credit committee review for borrower having more than 4 loans. 1008 indicates a 8 pack of loans and there is a letter in the file from borrower indicating 8 properties. | 2-19-26 Client replied: please see the upl appr letter | 2-19-26 XXX reviewed approved credit committee review form reflecting 8 HEM loans. Changed Max number of financed properties to 9 (8 HEM and 1 other). Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 756 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 106.57 months of reserves are above the required 3.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Minimal credit use at 4%.<br>CFCFS2860: Good credit history<br> - XXX Comments: No late payments on credit report. |
| 10110947 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Legal Documents | Active | B | B | B | B | CRDLGL4033 | Missing Legal Document(s) | No | Missed exception: Missing a copy of blanket loan note with XXX required per guidelines when subject property is encumbered by a blanket/cross collateralized loan, the transaction is considered cash out. Copy of the note will be required to verify the payoff/release terms. (sec 1.8.2.4)XXX deems non-material/non-fatal to lending decision as payoff in file indicates the payoff to release the subject property and compensating factors: 106.57 months cash reserves/3 required, credit score 756/700 minimum and minimal credit use at 4%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 756 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 106.57 months of reserves are above the required 3.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Minimal credit use at 4%.<br>CFCFS2860: Good credit history<br> - XXX Comments: No late payments on credit report. |
| 10110945 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Legal Documents | Active | B | B | B | B | CRDLGL4033 | Missing Legal Document(s) | No | Missing a copy of blanket loan note with XXX required per guidelines when subject property is encumbered by a blanket/cross collateralized loan, the transaction is considered cash out. Copy of the note will be required to verify the payoff/release terms. (sec 1.8.2.4)XXX deems non-material/non-fatal to lending decision as payoff in file indicates the payoff to release the subject property and compensating factors: 106.69 months cash reserves/3 required, credit score 756/700 minimum and minimal credit use at 4%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower is utilizing 4% of the available revolving credit limit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX or 106.69 months. 3 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score 756. Guideline minimum 700. |
| 10110916 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER3262 | Property issues indicated | No | Subject property is zoned commercial/business however no commercial use of property is noted. Exception is on file. XXX considers this non material as appraisal verifies residential use is highest and best use, neighborhood is residential in nature, with both residential and retail businesses. Borrower also has reserves of 130 months, with 3 required, LTV is below required 75% at 57.3% and credit score is 737/700 minimum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of737 is above the required 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or 130.28 months of PITIA. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 57.3 is below the maximum allowable of 75 |
| 10110884 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70.59% LTV is below guideline maximum of 80%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary residence for 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 715 credit score exceeds guideline minimum of 600. |
| 10110893 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Application for both borrowers is missing the residency status. (XXX- XXX, XXX- XXX) | 2-10-26 Client uploaded 1003.2-12-26 Client uploaded 1003. | 2-11-26 XXX reviewed 1003s - XXX was checked XXX - XXX is still blank. Provide 1003 for XXX. Exception remains. 2-13-26 XXX reviewed 1003 which reflects Permanent resident. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 718 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is below the maximum allowable of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 1.81 months. 0 months required. |
| 10110893 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Mortgage reflects XXX and XXX, joint tenants and title does not reflect XXX as Proposed Insured. | 2-25-26: Client uploaded corrected Warranty Deed which puts XXX and XXX in title as joint tenants to the property. | 2-25-26: XXX reviewed corrected Warranty Deed which puts XXX and XXX in title as joint tenants to the property. Title and mortgage now match. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 718 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is below the maximum allowable of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 1.81 months. 0 months required. |
| 10110878 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value | 3-3-26 Client uploaded field review. | 3-4-26 XXX reviewed the field review which supports the original appraisal. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 785 and minimum is 740<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 0% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 109.57 months piti reserves |
| 10110941 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 45.78%; guidelines allows 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves= $XXX, 150.69 months. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 696 is above the required 660. |
| 10110880 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing leases on all 3 units to finalize DSCR calculation. Lender used income of $6,395 and market rents were $7,900. | 2-10-26 Client uploaded leases. | 2-11-26 XXX reviewed leases and updated comments. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or 34.58 months PITI reserve exceeds required reserves of 3 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 29 months exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative score of 751 exceeds guideline requirement of 700. |
| 10110880 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Missing full title report - missing schedule B and C. | XXX Client uploaded title. | 2-11-26 XXX reviewed title which includes schedule B & C. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or 34.58 months PITI reserve exceeds required reserves of 3 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 29 months exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative score of 751 exceeds guideline requirement of 700. |
| 10110886 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: 4 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 174 months on 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 6.93 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 724 mid-score per CBR. |
| 10110842 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75% LTV is below guideline maximum of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close assets of $XXX, 26.68 months, 3 months required |
| 10110862 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score 820. Guideline minimum 660.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned current residence 20 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 13.29 months. No reserves are required. |
| 10110960 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Application does not reflect borrowers residency status. | 2-11-26 Client uploaded 1003. | 2-13-26 XXX reviewed 1003 reflecting US Citizen. Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: No late payments on credit report.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 31.04 months of reserves are above the required 3.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 709 FICO score is above the 700 min. |
| 10110953 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 68.966%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 806 is 66 points above minimum program requirement of 740.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower only using 2% of available revolving credit. |
| 10110902 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or 120.95 months of PITIA. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of737 is above the required 640<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 57.14 is below the maximum allowable of 75 |
| 10110801 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed | No | The appraisal in the file is not signed by the appraiser Please provide a copy of the signed appraisal. | 2-19-26 Client replied: Signed Appraisal uploaded | 2-19-26 XXX reviewed appraisal which is signed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 136.37 months. 3 months reserves are required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 47.73% is below the guideline maximum of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score 761. guideline minimum 600. |
| 10110856 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Borrowers have29 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower only using 3% of available revolving credit.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 758 is 18 points above minimum program requirement of 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX, 64.94 months; 0 months required. |
| 10110956 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missed exception: Missing third party valuation to support original appraised value.Per Guidelines (sec 1.9.1.1.4, page 73) All transferred appraisals require a secondary valuation: CDA within 10% of appraised value or an AVM that supports value with a satisfactory FSD score and confidence score. | XXX Client uploaded AVM. | 2-10-26 XXX reviewed AVM and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 4.71 months of reserves exceeds guideline requirements of 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 73.90% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrowers Fico Score of 742 is above required guideline minimum Fico Score of 700. |
| 10110956 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations | FEMA | Active | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster #XXX XXX - Severe Winter Storm.XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a nonmaterial 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. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 4.71 months of reserves exceeds guideline requirements of 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 73.90% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrowers Fico Score of 742 is above required guideline minimum Fico Score of 700. |
| 10110948 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 42.7 months of reserves are above the required 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 790 FICO score is above the 740 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 64.935% LTV is below the 70% max. |
| 10101113 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 141.26 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 28 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 789 exceeds guideline minimum of 640 for a DSCR purchase with a ratio < 1.0. |
| 10101497 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing Satisfactory signed Gift letter for $XXX Gift of Equity listed on final HUD per guidelines on page 61. Donor must be from a family member. | 3.11.26 please find an exception for gift of equity letter | 3.11..2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative score of 736 exceeds guideline requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or 41.37 months PITI reserve exceed required reserves of ($XXX x XXX = $XXX).<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 12.38 is below guideline requirement max of 50. |
| 10101000 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Active | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Require 12 months PITI Reserves $XXX. Borrower is a FTHB with no prior housing history. Verified reserves in the amount of $XXX. Short $XXX. XXX deems this non-material. Compensating factors: FICO 691, 5 years in the same profession, 18 years at current residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 691 exceeds 680 the minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 29.48% is below 50.00% the maximum allowable per lender guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 5 years' time in the same profession |
| 10100935 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance fail for $XXX. Rate lock extension fee added to CD XXX for $XXX and increased to $XXX on CD's XXX and XXX. No documentation provide disclosing addition of fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 12.5.25-Client provided COC issued XXX for increase in Rate Lock Ext fee on XXX CD. Provide COC for the addition of the rate lock fee on XXX 12.12.25-Client provided COCs, Satisfied. | 12.12.25-Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has occupied the subject property for 8 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 52.63%, max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX Post close reserves $XXX or 47.14 months PITIA |
| 10100936 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing Condo Master Hazard Policy; file contains a walls-in policy only (page 554) | 1.14.26 master policy uploaded1.21.26 exception satisfied | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 873.86 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 789, max allowed by G/L is 680<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: The borrower has a 32 year credit history with 13 open and active tradelines 0X30<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 12.32%, max allowed by G/L is 50% LTV |
| 10100936 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Missing HOA Condo Questionnaire | 1.7.26 HOA condo cert1.21.26 exception satisfied | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 873.86 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 789, max allowed by G/L is 680<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: The borrower has a 32 year credit history with 13 open and active tradelines 0X30<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 12.32%, max allowed by G/L is 50% LTV |
| 10007275 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 6.4 years employed with XXX XXX XXXX by XXXX XXXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 723 qualifying credit score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 8.83 months of reserves in file. |
| 10100937 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: 26.5 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80 is below guideline requirement max of 90.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative score of 756 exceeds guideline requirement of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or 17.45 months PITI reserve exceeds required reserves of ($XXX x XXX = $XXX). |
| 10100938 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 40.21% is above the minimum program requirements of 50%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 64.89% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score 732 > 72 points above guideline program minimum of 660. |
| 10100940 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $4125.00. Rate lock extension fee added to CD's. No documentation provided disclosing addition of fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 12.30.25-Client provided COCs, Satisfied. | 12.30.25-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 59.46%, max allowed by G/L is 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXXor 63.09 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 770, minimum required by G/L is 660 |
| 10100942 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide initial CD including proof of receipt. | 1.27.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.27.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 62.90% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 122 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 43+ Months reporting positive<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 722 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 369 months of 0x30 consumer credit history per CBR. |
| 10100942 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide initial CD including proof of receipt. | 1.27.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.27.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 62.90% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 122 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 43+ Months reporting positive<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 722 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 369 months of 0x30 consumer credit history per CBR. |
| 10100942 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide Initial CD , including proof of receipt. | 1.27.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.27.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 62.90% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 122 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 43+ Months reporting positive<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 722 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 369 months of 0x30 consumer credit history per CBR. |
| 10100942 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | 11 Months Bank Statements provided. Missing XXX | 1.26.26 Okay with 11 months. Used a 12-month income calculation with 11 months statements | 1.27.26 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 62.90% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 122 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 43+ Months reporting positive<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 722 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 369 months of 0x30 consumer credit history per CBR. |
| 10100943 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Initial CD:XXX APR Stated as 6.738%, Final CD: XXX APR Stated as 6.985%, difference of 0.247%, exceeds the 0.125% tolerance. | 1.1.26-Client provided CD issued XXX, e-signed XXX. Provide proof of receipt of CD issued XXX.1.8.26-Client provided activity log screenshot reflecting CD issued XXX was Not delivered to borrower. CD XXX removed from testing. Satisfied. | 1.8.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 78.22 is below guideline requirement max of 80.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative score of 757 exceeds guideline requirement of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or 15.11 months PITI reserve exceed required reserves of ($XXX x XXX = $XXX).<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 30.02 is below guideline requirement of 50. |
| 10100944 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo Questionnaire for the Subject Condo Project: Promenade at XXX Condo Asso. has not been uploaded by the Lender. | 1.12.2026 Client responded condo questionnaire.1.12.2026 Client sent the Condo Questionnaire. Exception satisfied | 1.12.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 6 years and 1 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score 697 > 37 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 42.43% is above the minimum program requirements of 50% |
| 10101119 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | XXX XXX Acct #XXX Balance of $XXX indicates last activity as XXX. Provide evidence this account is Current or Paid in Full | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 45 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 114+ Months reporting<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History |
| 10101004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $455.38. Discount point increased from $531.00 (0.125%) on LE XXX to $986.38 (0.25%) on final CD XXX. No documentation provided disclosing increase in fee. Please provide either documentation of increase or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.7.26-Client provided COC issued XXX. Satisfied. | 1.7.26-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 78.36 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 47.50% is above the minimum program requirements of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 9 years and 4 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score 633 > 33 points above guideline program minimum of 600. |
| 10101004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing Acceptable Evidence of XXX Business has not been uploaded by the Lender for XXX | 1.12.2026-Client's response: XXXXXX docs please clear.1.12.2026-XXX's response: Received the Operating Agreement for XXX., exception satisfied. | 1.12.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 78.36 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 47.50% is above the minimum program requirements of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 9 years and 4 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score 633 > 33 points above guideline program minimum of 600. |
| 10101005 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, XXX status is QM Rebuttable APOR due to Benchmark Date XXX, loan has a test APR of 8.314%, the Benchmark Rate was 6.230%, Variance 2.084%, Maximum allowed is 1.5000% | 12.15.25 Client response; We accept the determination on this and please clear the exception.12.16.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 12.16.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 641 exceeds 640 the minimum required per lender guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 40 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10101005 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide Proof of Receipt for LE dated XXX | 12.16.25-Client provided LE issued XXX, e-signed XXX. Provide proof of receipt of initial CD issued XXXXXX evidence that the borrower received the CD disclosed on XXX provided. The screen shot shows that the CD package was delivered to the borrower on XXX. . Additionally the Audit log from XXX shows 2 events. Login and Per Package Consent. The log in shows the borrower accessed the system once they received notification there was a document for them to review, and the Per Package Consent is required to be completed prior to viewing the documents and is populated once the borrower agrees (actual text of the consent language is on page 2). | 12.24.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 641 exceeds 640 the minimum required per lender guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 40 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10101005 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide Proof of Receipt for LE dated XXX | 12.16.25-Client provided LE issued XXX, e-signed XXX. Provide proof of receipt of initial CD issued XXX.XXX - XXX evidence that the borrower received the CD disclosed on XXX provided. The screen shot shows that the CD package was delivered to the borrower on XXX. . Additionally the Audit log from XXX shows 2 events. Login and Per Package Consent. The log in shows the borrower accessed the system once they received notification there was a document for them to review, and the Per Package Consent is required to be completed prior to viewing the documents and is populated once the borrower agrees (actual text of the consent language is on page 2). | 12.24.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 641 exceeds 640 the minimum required per lender guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 40 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10101005 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APOR status based upon XXX review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 641 exceeds 640 the minimum required per lender guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 40 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10101006 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $39.00. Appraisal fee increased from $885.00 on LE XXX to $924.00 on subsequent LE's and all CD's. No documentation provided disclosing increase in fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.12.26-Client provided COC, satisfied. | 1.12.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 34.98% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score 653 > 53 points above guideline program minimum of 600. |
| 10101006 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX #XXX Bank Statements from XXX thru XXX have have not been uploaded by the Lender. | 1.15.2026-Client's response: XXXplease find the bank stmt for review.1.15.2026-XXX's response: Received the XXX Bank Statements for account #XXX, exception is satisfied. | 1.15.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 34.98% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score 653 > 53 points above guideline program minimum of 600. |
| 10101008 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | Desk review provided =$XXX. -11% variance from Appraisal. If the value of the desk review is more than 10% below the appraised value of the property, XXX may choose to use the value of the desk review as the basis for making the loan. $XXX was used for qualification. 61.90 LTV% | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 61.90% is below guideline maximum of 70% for a Full Doc cash out refinance with a 624 credit score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 27.72 months. Reserves not required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 624 exceeds guideline minimum of 600 for a Full Doc cash out refinance at 61.90% LTV. |
| 10100947 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing income worksheet to verify expense ratio used. | 1.16.2026-Client's response: XXXincome worksheet1.16.2026-XXX's response: Received the Income Worksheet with the expense factor, exception is satisfied. | 1.16.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 75.97 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 36.36% is below guideline maximum of 80% for an Alt Doc cash out refinance with an 804 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 804 exceeds guideline minimum of 620 for an Alt Doc cash out refinance at 36.36% LTV. |
| 10100947 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $3000.00. Rate lock extension fee was added to all CD's. No documentation provided disclosing addition of fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.12.26-Client provided COC, satisfied. | 1.12.26- satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 75.97 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 36.36% is below guideline maximum of 80% for an Alt Doc cash out refinance with an 804 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 804 exceeds guideline minimum of 620 for an Alt Doc cash out refinance at 36.36% LTV. |
| 10100947 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing income worksheet to verify expense ratio used. | 1.16.2026-Client's response: XXXincome worksheet1.16.2026-XXX's response: Received the Income Worksheet with the expense factor, exception is satisfied. | 1.16.2026=Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 75.97 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 36.36% is below guideline maximum of 80% for an Alt Doc cash out refinance with an 804 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 804 exceeds guideline minimum of 620 for an Alt Doc cash out refinance at 36.36% LTV. |
| 10100948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing the income worksheet to verify the actual expense ratio used in income calculations | (No Data) | 12.12.2025 Exception cited in error | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 28 months mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 19 years, 10 months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 788 exceeds 680 the minimum required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 85.00% is below 90.00% the maximum allowable per lender guidelines<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: 28 months positive mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 24.63% is below 50.00% the maximum allowable per lender guidelines |
| 10101009 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 659 exceeds 640 the minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower occupies the subject property as their primary residence for 15 years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 15 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 39.50% is below 50.00% the maximum allowable per lender guidelines |
| 10100950 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance Fail of $7,425 due to Discount Points fee added on LE XXX. Provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower (amount of $7345.60 due to tolerance cure in file of $79.40) with proof of delivery via tracking method within 60 days of consummation. | 1.13.26-Client provided COC, satisfied. | 1.13.26- satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX employed for 10.5 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 21.72%, max allowed by G/L is 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 29.33 months PITI |
| 10100950 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks for the mortgage payments made to XXX. | 3.31.26 Acknowledged by client. | 3.31.26 waived. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX employed for 10.5 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 21.72%, max allowed by G/L is 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 29.33 months PITI |
| 10100950 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV is 80%. Max LTV for a 679 FICO is 75%. XXX deems this non-material. Compensating factors are 29.33 months reserves, XXX employed for over 10 years, 21.72% DTI | 3.31.26 Acknowledged by client. | 3.31.26 waived | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX employed for 10.5 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 21.72%, max allowed by G/L is 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 29.33 months PITI |
| 10100950 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | File contains a Subordination Agreement. Provide the mortgage amount and the monthly payment from XXX | 1.21.2026- rcvd | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX employed for 10.5 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 21.72%, max allowed by G/L is 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 29.33 months PITI |
| 10100950 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal | No | Missing Original Appraisal | 1.21.2026-Client's response: XXX XXX XXX, 12:37:26 pmAppraisal provided, please clear finding.1.21.2026-XXX's response: Received the appraisal, exception is satisfied. | 1.21.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX employed for 10.5 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 21.72%, max allowed by G/L is 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 29.33 months PITI |
| 10100950 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | Property Valuations | FEMA | Satisfied | B | A | B | A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing Original Appraisal | 1.21.2026-Client's response: XXX XXX XXX, 12:37:26 pmAppraisal provided, please clear finding.1.21.2026-XXX's response: Received the appraisal, exception is satisfied. | 1.21.2026-XXX's response: Received the appraisal, exception is satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX employed for 10.5 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 21.72%, max allowed by G/L is 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 29.33 months PITI |
| 10101501 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | XXX disclosed on application | 1.16.2026-Client's response: XXXXXX property was sold in XXX please clear.1.16.2026-XXX's response: Received the documentation showing the property sold in XXX, exception satisfied. | 1.16.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 85.71 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 69.18% is below guideline maximum of 80% for an Alt Doc rate/term refinance with a 742 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 742 exceeds guideline minimum of 620 for an Alt Doc rate/term refinance at 69.18% LTV. |
| 10101011 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been with the same employer for 8.8 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 20.36%, maximum allowed by guidelines is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves, LTV 75% - None Required. Post close reserves $9682.70 or 3.75 months PITIA<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 72 months of 0x30 mortgage history per CBR. |
| 10101111 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing All Condo Documents including Condo Questionnaire, Master Policy | 12.19.2025-Client's response: XXXCopy of the HOA questionnaire along with an email from the HOA clarifying the only collections issues no active litigation. Please clear finding.12.19.2025-XXX's response: Received the HOA Certification and Master Policy, exception is satisfied. | 12.19.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 171+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 35+ Months reporting positive<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 63 Months Reserves |
| 10100951 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 99 months mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 739 exceeds 660 the minimum required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 74.47% is below 85.00% the maximum allowable per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 16.28% is below 50.00% the maximum allowable per lender guidelines |
| 10100952 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide proof of receipt for CD XXX. | 1.10.26-Client provided LE issued XXX. e-signed XXXClient provided Int. CD issued XXX, e-signed XXX. Satisfied. | 1.10.26- Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Borrower2 has significant time at current job, 6 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score 741 > 84 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 48.61% is above the minimum program requirements of 50% |
| 10100952 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide proof of receipt for LE XXX and CD XXX. | 1.10.26-Client provided LE issued XXX. e-signed XXX Client provided Int. CD issued XXX, e-signed XXX. Satisfied. | 1.10.26- Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Borrower2 has significant time at current job, 6 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score 741 > 84 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 48.61% is above the minimum program requirements of 50% |
| 10100952 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $4,633.96 due to Credit Report fee increase on LE XXX, and Lender Credit decreased on LE XXX & XXX. Provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower with proof of delivery via tracking method within 60 days of consummation. | 1.10.26-Client provided COCs , Satisfied. | 1.10.26- Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Borrower2 has significant time at current job, 6 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score 741 > 84 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 48.61% is above the minimum program requirements of 50% |
| 10101013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR. XXX status is QM Rebuttable APOR due to Benchmark Date XXX Loan has a test APR 7.790% the Benchmark Rate was 6.230%; Variance 1.560%: Max allowed is 1.5000% | 1.12.2026-Client agrees. | 1.12.26 exception sattisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 714 exceeds 600 the minimum required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 52.76% is below 90.00% the maximum allowable per lender guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 20 years' time in the same profession<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 is XXX for 9 years,10 months |
| 10101013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client declared QM Safe APOR. XXX status is QM Rebuttable APOR due to Benchmark Date XXX Loan has a test APR 7.790% the Benchmark Rate was 6.230%; Variance 1.560%: Max allowed is 1.5000% | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 714 exceeds 600 the minimum required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 52.76% is below 90.00% the maximum allowable per lender guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 20 years' time in the same profession<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 is XXX for 9 years,10 months |
| 10101013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks for the rent that was paid to the private landlord. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 714 exceeds 600 the minimum required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 52.76% is below 90.00% the maximum allowable per lender guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 20 years' time in the same profession<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 is XXX for 9 years,10 months |
| 10100954 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Property is a For sale by Owner. Missing Termite Inspection | 12.23.2025-Client's response: XXXCredit exception for the termite inspection, borrower has lived at the property for 2 years. Please clear finding.12.23.2025-Upon further review XXX deems this non-material. Compensating factors: borrower has lived in subject property for 2 years, FICO 759, 3 years at current employer. | 12.23.2025.-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 9.12 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 18.41%,max allowed by G/L is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 759, minimum required by G/L is 660 |
| 10100955 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 770 exceeds 660 the minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 44.83% is below 50.00% the maximum allowable per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum amount required per lender guidelines |
| 10100956 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Insufficient Funds to Close: Missing proof of liquidation or copy of outgoing wire from XXX sourcing funds to close | 12.22.25 The XXX Account XXX is a money market account, no liquidation needed, it was wired directly to Escrow. | 12.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX for 10 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%, max allowed by G/L is 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 80.75 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 21.56%, max allowed by G/L is 80% |
| 10100956 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Missing proof of liquidation from XXX souring liquid funds to close or copy of outgoing wire | 12.22.25 The XXX Account XXX is a money market account, no liquidation needed, it was wired directly to Escrow. | 12.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX for 10 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%, max allowed by G/L is 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 80.75 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 21.56%, max allowed by G/L is 80% |
| 10101017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | C | B | D | B | D | A | C | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $40. Appraisal fee increased to $890 on CD's XXX and XXX. No documentation provided disclosing increase in fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.5.26-Client provided COC, Satisfied. | 1.5.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 34.6% max allowed by G/L is 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves LTV = 75% - None Required. Post close reserves $XXX or 8.83 months PITIA<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX for 5 years |
| 10101017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | C | B | D | B | D | A | C | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing bank statements from XXX #XXX for the months of XXX,XXX,XXX,XXX,XXX. | 1.5.2026-Client's response: XXXA copy of the bank statements for XXX, XXX, XXX and XXX account XXX provided. There is no bank statement for XXX Please clear finding.1.5.2026-XXX's response: Received the XXX bank statements for #XXX, exception is satisfied. | 1.5.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 34.6% max allowed by G/L is 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves LTV = 75% - None Required. Post close reserves $XXX or 8.83 months PITIA<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX for 5 years |
| 10101017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | C | B | D | B | D | A | C | A | C | B | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Missing final building permit with Certificate of Occupancy | 1.5.2026-Client's response: XXXCopy of cert provided, please clear finding.1.5.2025-XXX's response: Received the COO, exception is satisfied. | 1.5.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 34.6% max allowed by G/L is 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves LTV = 75% - None Required. Post close reserves $XXX or 8.83 months PITIA<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX for 5 years |
| 10100957 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 48.34% is above the minimum program requirements of 50%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score 725 > 65 points of minimum guideline requirements of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 24.86 months of reserves exceeds guideline requirements of 6 months. |
| 10101020 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 70 is below guideline requirement max of 80.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or 7.40 months PITI reserve exceed required reserves of $XXX.<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Additional income of $3,808.70, representing a 32.48 month average of calculated bonus income not used in qualifying.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative score of 641 exceeds guideline requirement of 600. |
| 10100958 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide acceptable Evidence of 2 years of XXX for Both Borrowers for XXX such as Business License and/or CPA Letter. | 1.5.26 Secretary of XXX search provided.1.5.26 exception satisfied | 1.5.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 25.61 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 36.18% is above the minimum program requirements of 50%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV for Subject Property is below guideline max LTV of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score 733 > 73 points above guideline program minimum of 660. |
| 10100959 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provided proof of receipt for initial CD issued XXX at least 3 business days prior to consummation. | 12.17.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 12.17.25- Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 47 months mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at the subject property for 16 years, 3 months<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 19 years,9 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10100959 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provided proof of receipt for initial CD issued XXX at least 3 business days prior to consummation. | 12.17.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 12.17.25-Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 47 months mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower resides at the subject property for 16 years, 3 months<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 19 years,9 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10100960 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for CD dated XXX | 2.19.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 12.19.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 152.73 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 18.61%, max allowed by G/L is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 748, minimum required by G/L is 660 |
| 10100960 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for CD dated XXX | 2.19.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 12.19.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 152.73 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 18.61%, max allowed by G/L is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 748, minimum required by G/L is 660 |
| 10101022 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $882.50 due to Rate Lock Extension fee added on CD XXX ($441.25) and increased on CD XXX ($882.50). Provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower with proof of delivery via tracking method within 60 days of consummation. | 1.26.26-Client provided COC disclosed/entered XXX for Increase of rate lock ext. from $441.25 to $882.5.Provide the COC for the addition of this fee on XXX2.10.26-Client provided COC, Satisfied. | 2.10.26- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 20.76 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 57.87% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 41.28% is above the minimum program requirements of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score of 669 > 69 required guideline requirements of 600 |
| 10101022 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing Verbal VOE for B1 within 10 days of closing. | 1.23.26 XXX voe for review.1.26.26 XXX VOE verified the borrower was terminated on XXX from XXX. Subject closed. XXX. Borrower was then hired XXX to XXX, XXX. No LOE / information / income documentation was provided for review for XXX, XXX. Please provide sufficient documentation from new employer to meet eligibility requirements. exception remains. 2.10.2026-Clients response: XXXplease see paystub...... pay rate of 64.90 = 11250 per month. previous income qualifed with $8900 so either case borrower qualifies for loan as new pay is more. voe was also already in file showing active please clear.2.10.2026-XXX's response: Received the VOE from XXX, XXX and current paystub that supports income. Exception is satisfied. | 1.26.26 exception remains. 2.10.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 20.76 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 57.87% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 41.28% is above the minimum program requirements of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score of 669 > 69 required guideline requirements of 600 |
| 10100961 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission | Active | B | B | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR form in file has date of transaction stuck thru and date corrected, midnight of date only contains initials. Provide completed ROR form with corrected date of XXX for midnight of date section of ROR including borrower initials. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 8.1 years employed with Conlon Development.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 172 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 765 qualifying credit score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 31.21 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 76.92% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 10100961 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Provide PCCD with Corrected Closing Date/Disbursement Date (and closing cost/cash to close if applicable). Closing occurred on XXX per the notary, Funding on XXX. Earliest Expiration Date (midnight of date) is XXX .Borrower did not receive full 3 day rescission period. | 1.9.26-Client provided PCCD updating disbursement date & cost, Satisfied. | 1.9.26-Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 8.1 years employed with Conlon Development.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 172 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 765 qualifying credit score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 31.21 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 76.92% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 10100961 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $200.00. Appraisal re-inspection fee added to CD XXX. No documentation provided disclosing addition of fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 1.9.26-Client provided COC, Satisfied. | 1.9.26- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 8.1 years employed with Conlon Development.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 172 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 765 qualifying credit score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 31.21 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 76.92% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 10100963 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of CD's issued XXX & CD issued XXX | 12.11.25-Client provided e-package tracking for CDs issued XXX reflecting receipt XXX. Satisfied. | 12.11.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 22.73 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per business license borrower has been in business since XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 6 years. |
| 10100963 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of CD's issued XXX & CD issued XXX | 12.11.25-Client provided e-package tracking for CDs issued XXX reflecting receipt XXX. Satisfied. | 12.11.25-. Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 22.73 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per business license borrower has been in business since XXX.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 6 years. |
| 10101033 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued and confirmed 3 days prior to consummation date of XXX. | 1.4.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.4.25-Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: 12.5 years living at primary residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 30 years in the Construction/Builder profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 724 qualifying credit score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 42.33 months of reserves in file. 6 months reserves required per guidelines. |
| 10101033 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued and confirmed 3 days prior to consummation date of XXX. | 1.4.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.4.25-Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: 12.5 years living at primary residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 30 years in the Construction/Builder profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 724 qualifying credit score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 42.33 months of reserves in file. 6 months reserves required per guidelines. |
| 10101033 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV for rural 75%. Loan to value is 80%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: 12.5 years living at primary residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 30 years in the Construction/Builder profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 724 qualifying credit score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 42.33 months of reserves in file. 6 months reserves required per guidelines. |
| 10101108 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 61.28 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 817 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has not been 1X30 with consumer debt since XXX |
| 10101034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor APOR; XXX status is Non-QM: Lender documented all ATR UW factors dues to total charges of 3.561% exceeds fees test Threshold. | 12.22.25 Client response; We accept the determination on this and please clear the exception.12.26.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 12.26.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 22.18% is below guideline maximum of 75% for an Alt Doc cash out refinance with a 643 credit score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 6.39 months. Reserves not required.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: In profession 20 years. |
| 10101034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for LE XXX Also, please provide initial CD issued and confirmed 3 days prior to confirmation. | 12.23.25-Client provided initial CD issued XXX, e-signed XXX. Satisfied. | 12.23.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 22.18% is below guideline maximum of 75% for an Alt Doc cash out refinance with a 643 credit score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 6.39 months. Reserves not required.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: In profession 20 years. |
| 10101034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for LE XXX. Also, please provide initial CD issued and confirmed 3 days prior to confirmation. | 12.23.25-Client provided screen shot of doc package sent. Provide e-sign summary reflecting Loan Estimate either Reviewed or Signed. (see email sent.)1.2.26-Re-review per client email, reply sent of docs needed. Provide proof of receipt for LE issued XXX.1.5.26-Re-review per client email, reply sent.1.5.26-Client provided e-sign process Summary for LE issued XXX reflecting log-in on XXX providing access to documents sent (received). Satisfied | 1.5.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 22.18% is below guideline maximum of 75% for an Alt Doc cash out refinance with a 643 credit score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 6.39 months. Reserves not required.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: In profession 20 years. |
| 10101034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to Non-QM status based upon XXX review as fees exceeded 3% | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 22.18% is below guideline maximum of 75% for an Alt Doc cash out refinance with a 643 credit score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 6.39 months. Reserves not required.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: In profession 20 years. |
| 10101034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | XXX Bank payment $681.00 not accounted for at origination. | 12.22.25 Excluded due to proof of 6 months paid by different individual and this is a joint account.12.26.25 exception satisfied | 12.26.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 22.18% is below guideline maximum of 75% for an Alt Doc cash out refinance with a 643 credit score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 6.39 months. Reserves not required.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: In profession 20 years. |
| 10101034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | XXX Bank payment $681.00 not accounted for at origination. | 12.22.25 Excluded due to proof of 6 months paid by different individual and this is a joint account.12.26.25 exception satisfied | .12.26.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 22.18% is below guideline maximum of 75% for an Alt Doc cash out refinance with a 643 credit score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 6.39 months. Reserves not required.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: In profession 20 years. |
| 10101099 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 174 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 71+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Guarantor demonstrates good credit history. |
| 10100966 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 58+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 7 Months Reserves |
| 10100967 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide initial CD with proof of receipt at least 3 business days prior to closing. | 1.7.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.7.26- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 32.50 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 64.12% is below guideline maximum of 80% for an Alt Doc cash out refinance with a 735 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since XXX |
| 10100967 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail of $XXX due to discount points added on LE XXX , increased on XXX. Provide COCs for these increase OR Post - Close CD, LOX, Copy of tolerance check & proof of delivery within 60 days of consummation. | 1.7.26-Client provided COC issued XXX for undisclosed discount point decrease from $XXX to value on LE XXX of $XXX . In file LE issued XXX is first instance of discount points-amount of $5131.00. This then INCREASED on LE XXX to the amount of $XXX. Provide supporting COCs for the initial addition on LE XXX& increase on LE XXX OR PCCD, LOX, Copy of tolerance check & proof of delivery within 60 days of consummation.1.8.26-Client provided COC issued XXX for addition of Discount points in the amount of $5131.00 on XXX LE. Satisfied for addition of discount.Client prior provided COC issued XXX for a discount point decrease from $XXX(this amount is Not on Any LE or CD in file) to amount of $XXX on LE XXX. Provide the LE that disclosed discount points totaling $XXX per the COC issued XXX for decrease From that amount or explanation to why COC shows a amount not disclosed in file. 1.15.26-Client provided COC, Satisfied. | 1.15.26-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 32.50 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 64.12% is below guideline maximum of 80% for an Alt Doc cash out refinance with a 735 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since XXX |
| 10100967 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Lease payment for XXX $452.00 not included in debts. Lease payments cannot be removed. | 1.6.26 The XXX lease is being paid by the business, see bank statements in file.1.13.26 exception satisfied | 1.13.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 32.50 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 64.12% is below guideline maximum of 80% for an Alt Doc cash out refinance with a 735 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since XXX |
| 10100967 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | Lease payment for XXX $452.00 not included in debts. Lease payments cannot be removed. | 1.6.26 The XXX lease is being paid by the business, see bank statements in file. 1.13.26 exception satisfied | 1.13.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 32.50 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 64.12% is below guideline maximum of 80% for an Alt Doc cash out refinance with a 735 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since XXX |
| 10100968 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 742 exceeds 660 the minimum required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80.00% is below 9.0.00% the maximum allowable per lender guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 13 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 46.60% is below 50.00% the maximum allowable per lender guidelines |
| 10101038 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $10937.50. Origination fee and discount points were added on LE XXX through final CD XXX. No documentation provided disclosing addition of fees. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.5.26-Client provided COC, Satisfied. | 1.5.26- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 28.22 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 41.18% is below guideline maximum of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 32.18% is below guideline maximum of 55%. |
| 10101038 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing 2 months statements for XXX#XXX used to qualify. | 1.5.2026-Client's response: XXX2 months bank stmts.1.5.2026-XXX's response: Received the September and October XXX bank statements for account XXX, exception is satisfied. | 1.5.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 28.22 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 41.18% is below guideline maximum of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 32.18% is below guideline maximum of 55%. |
| 10101039 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of CD issued XXX. | 1.12.26--Client provided e-sign process Summary for CD issued XXX reflecting log-in on XXX providing access to documents sent (received).Satisfied. | 1.12.26--Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 22.70 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 49.60% is above the minimum program requirements of 55%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Median Fico Score 650 > 50 points above guideline program minimum of 600.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 29 years and 11 months. |
| 10101039 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of CD issued XXX | 1.12.26--Client provided e-sign process Summary for CD issued XXX reflecting log-in on XXX providing access to documents sent (received).Satisfied. | 1.12.26--.Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 22.70 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 49.60% is above the minimum program requirements of 55%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Median Fico Score 650 > 50 points above guideline program minimum of 600.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 29 years and 11 months. |
| 10101039 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide Lender Income Worksheets with expense factors for XXX and XXX. and missing XXX Bank XXX XXX/XXX. | 1.12.2026 Client responded - please find the income worksheet and august was not sent so not used.1.12.2026 Client provided the Income worksheet verifying a 50% expense factor. Exception satisfied | 1.12.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 22.70 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 49.60% is above the minimum program requirements of 55%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Median Fico Score 650 > 50 points above guideline program minimum of 600.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 29 years and 11 months. |
| 10100970 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor APOR; XXX status is Non-QM: Lender documented all ATR UW factors dues to total charges of 4.446% exceeds fees test Threshold. | 12.22.25 Client response; We accept the determination on this and please clear the exception.12.22.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 12.22.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 23.06 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 4 years and 9 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 15.07% is above the minimum program requirements of 50% |
| 10100970 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agrees to Non-QM status based upon XXX review | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 23.06 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 4 years and 9 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 15.07% is above the minimum program requirements of 50% |
| 10101510 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 227+ Months Reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 27+ Months Reporting |
| 10100972 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 70%, max allowed by G/L is 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 33.12%, max allowed by G/L is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 717, minimum required by G/L is 660 |
| 10100973 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $677.25 due to Lender Credit decrease on final LE XXX and CD XXX. Provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower with proof of delivery via tracking method within 60 days of consummation. | 1.7.26-Client provided COCs, Satisfied. | 1.7.26-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 13.93 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 46.31% is above the minimum program requirements of 50%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 40% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score of 733 > 73 required guideline requirements of 660%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 29 years living at primary residence. |
| 10101041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, XXX status is QM Rebuttable APOR due to Benchmark Date XXX loan has a test APR 8.071%, the Benchmark Rate was 6.260%; Variance 1.811%; max allowed is 1.5000%. | 12.22.25 Client response; We accept the determination on this and please clear the exception.12.23.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 12.23.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 18 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 85.00% is below 90.00% the maximum allowable as per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 707 exceeds 680 the minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 53 months mortgage payment history exceeds 12 months the minimum required per lender guidelines |
| 10101041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide Proof of Receipt for initial CD dated XXX | 12.23.25-Client provided CD issued XXX, e-signed XXX Satisfied. | 12.23.25- Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 18 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 85.00% is below 90.00% the maximum allowable as per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 707 exceeds 680 the minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 53 months mortgage payment history exceeds 12 months the minimum required per lender guidelines |
| 10101041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide Proof of Receipt for initial CD dated XXX | 12.23.25-Client provided CD issued XXX, e-signed XXX Satisfied. | 12.23.25-Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 18 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 85.00% is below 90.00% the maximum allowable as per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 707 exceeds 680 the minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 53 months mortgage payment history exceeds 12 months the minimum required per lender guidelines |
| 10101041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APOR status based upon XXX review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 18 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 85.00% is below 90.00% the maximum allowable as per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 707 exceeds 680 the minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 53 months mortgage payment history exceeds 12 months the minimum required per lender guidelines |
| 10101512 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 46.11% is above the minimum program requirements of 50%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 64.15% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score 715 > 95 points above guideline program minimum of 620. |
| 10100974 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide evidence that borrower acknowledged receipt of CD XXX 3 days prior to consummation date of XXX. | 1.8.26-Client provided CD issued XXX e-signed XXX. Satisfied. | 1.8.26- Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 28 months Mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 702 exceeds 680 the minimum required per lender guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 10 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 26.65% is below 50.00% the maximum allowable per lender guidelines |
| 10100974 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD XXX 3 days prior to consummation date of XXX. | 1.8.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.8.26-Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 28 months Mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 702 exceeds 680 the minimum required per lender guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 10 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 26.65% is below 50.00% the maximum allowable per lender guidelines |
| 10100974 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short PITI reserves in the amount of $XXX. Verified $XXX. Required $XXX. XXX deems exception nonmaterial = grade 2/B. FICO 702; DTI 26.65l 0 mtg lates, same profession 10+ years. | 3.31.26 Acknowledged by client. | 3.31.26 waived | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 28 months Mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 702 exceeds 680 the minimum required per lender guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 10 years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 26.65% is below 50.00% the maximum allowable per lender guidelines |
| 10101043 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score of 635 > 35 required guideline requirements of 600<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 36.36% LTV for Subject Property is below guideline max LTV of 65%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 29.34% is above the minimum program requirements of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 78.24 months of reserves exceeds guideline requirements of 0 months. |
| 10100975 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission | Active | B | B | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR received XXX (executed). Provide correctly dated ROR including borrower initials for changes for "date of transaction & Midnight of date." to reflect as XXX & XXX respectively. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 51.47% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score of 778 > 118 required guideline requirements of 660<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 34.55% is above the minimum program requirements of 50% |
| 10100975 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $2100.00 due to Lender credit decreased with no coc on LE issued XXX Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via tracking information within 60 days of consummation. | 1.26.26-Client provided COC disclosed 12/23 for lender credit increase from $XXX to $XXX. Provide COC for Lender credit - Decrease- From $XXX on LE XXX to $XXX on LE XXX1.27.26-Client provided COC, Satisfied. | 1.27.26- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 51.47% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score of 778 > 118 required guideline requirements of 660<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 34.55% is above the minimum program requirements of 50% |
| 10100976 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing lender bank calculation worksheet. | 1.19.2026-Client's response: XXXIncome worksheet provided, please clear finding.1.19.2026-XXX's response: Received the Income Worksheet, exception is satisfied. | 1.19.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 795 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 31.90 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 58.33% is below guideline maximum of 85% for an Alt Doc rate/term refinance with a 795 credit score.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 239 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 94 months of 0x30 mortgage history per CBR. |
| 10100976 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR disbursement date of XXX is before the end of rescission period of XXX. | 1.14.26-Client provided PCCD , Satisfied. | 1.14.26-Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 795 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 31.90 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 58.33% is below guideline maximum of 85% for an Alt Doc rate/term refinance with a 795 credit score.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 239 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 94 months of 0x30 mortgage history per CBR. |
| 10100976 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing lender bank calculation worksheet. Missing the expense ratio used to calculate income. | 1.19.2026-Client's response: XXXIncome worksheet provided, please clear finding.1.19.2026-XXX's response: Received the Income Worksheet, exception is satisfied. | 1.19.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 795 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 31.90 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 58.33% is below guideline maximum of 85% for an Alt Doc rate/term refinance with a 795 credit score.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 239 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 94 months of 0x30 mortgage history per CBR. |
| 10101047 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance fail for $325.00. Appraisal reinspection fee added to final CD. No documentation provided disclosing addition of fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.14.26-Client provided COC, Satisfied. | 1.14.26-Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX employed for 5 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X 3 = $XXX. Post close reserves $XXX or 33.26 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 721 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 37 months of 0x30 mortgage payment history per CBR.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 16.78%, max allowed by G/L is 50% |
| 10101047 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing Title report | 1.19.2026 The client responded - Prelim provided, please clear finding.1.19.2026 The client provided the Preliminary title. Exception satisfied. | 1.19.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX employed for 5 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X 3 = $XXX. Post close reserves $XXX or 33.26 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 721 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 37 months of 0x30 mortgage payment history per CBR.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 16.78%, max allowed by G/L is 50% |
| 10100981 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing evidence of Title in file. | 12.19.25 prelim for review12.19.25 exception satisfied | 12.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 784 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 137 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 52 months of 0x30 rental history per VOR in file.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 24.37 months of reserves in file. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV per review; 90% LTV is maximum allowed per guidelines. |
| 10100981 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing required Condo Questionnaire in file for subject condo property. | 12.19.25 condo cert for reviewXXX HOA cert determined findings related to safety, soundness and and structural integrity and habitability. HOA cert states see enclosed report. \*No report was provided for review Exception remains\*1.5.2025-Client's response:XXXplease find the inspection report.1.5.2025-XXX's response: Received the inspection report; Unit XXX has no issues per the report; exception is satisfied. | 12.21.25 Exception remains. 1.5.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 784 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 137 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 52 months of 0x30 rental history per VOR in file.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 24.37 months of reserves in file. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV per review; 90% LTV is maximum allowed per guidelines. |
| 10101049 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD, with proof of receipt. | 1.8.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.8.25- Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 208+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 82+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14 Months Reserves |
| 10101049 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD, with proof of receipt. | 1.8.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.8.25-Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 208+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 82+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14 Months Reserves |
| 10101049 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Please provide initial CD, with proof of receipt. Additional conditions may apply. | 1.8.25-Client provided CD issued XXX, e-signed XXX. Zero tolerance fail for $1335.00 Due to lender credit decrease on XXX. Provide COC for decrease in lender credit on CD XXX OR Provide tolerance cure (not including $615.00 in file for cure) of $1335.00, PCCD. LOX, Copy of tolerance check with proof of delivery within 60 days of consummation.1.16.26-Client provided COC, Satisfied. | 1.16.26- Satisfied. | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 208+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 82+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14 Months Reserves |
| 10101049 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD, with proof of receipt. | 1.8.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.8.25- Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 208+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 82+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 14 Months Reserves |
| 10100983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC806 | Notary Status is missing | No | Missing executed Notary page | 1.15.26-Client provided Notarized , executed mortgage. Satisfied. | 1.15.26- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been with the same employer for 9.4 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 60.93 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 740, minimum required by G/L is 660 |
| 10100983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC869 | Mortgage not signed | No | Missing executed Mortgage page | 1.15.26-Client provided Notarized , executed mortgage. Satisfied. | 1.15.26- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been with the same employer for 9.4 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 60.93 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 740, minimum required by G/L is 660 |
| 10100983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Missing Condo Questionnaire | 1.14.26 condo cert for review.1.21.26 exception satisfied | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been with the same employer for 9.4 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 60.93 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 740, minimum required by G/L is 660 |
| 10100984 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Active | B | B | B | B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Loan transaction is a Rate/Term Refinance which limits the amount of cash back to $5,000. Borrower received $XXX in cash back. XXX deems this non-material. Compensating factors: 8 years at current residence, 17 years in the same profession, 21 months in reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 21.11 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per VOE borrower has been on job since XXX |
| 10100986 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing Verbal Verification of employment for both borrowers | 1.14.26 voes for reviews1.21.26 exception satisfied | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower 1 is in the same profession for 20 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 39.05% is below 50.00% the maximum allowable per lender guidelines |
| 10100986 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 85.00% exceeds 80.00% the maximum allowable for XXX, Purchase, Loan amount $XXX Full Doc with credit score of 661 | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower 1 is in the same profession for 20 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 39.05% is below 50.00% the maximum allowable per lender guidelines |
| 10101109 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX or 42.14 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 787 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.00.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has never been 1X30 with history from XXX. |
| 10101516 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 1.19.2026-Client's response: XXXFSS provided, please clear finding.1.19.2026-XXX's response: Received the Final HUD1, exception satisfied. | 1.19.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative score of 800 exceeds guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or 46.01 months PITI reserve exceeds required reserves of ($XXX x XXX = $XXX).<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 16.17 is below guideline requirement max of 50. |
| 10101517 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing Complete W-2's with proof of year on forms. Unable to determine years of income. | 1.19.2026-Client's response: XXXA copy of the W2s for 2023 and 2024 provided. Please clear finding.1.19.2026-XXX's response: Received the 2023 and 2024 W-2's, exception is satisfied. | 1.19.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 138 months of 0x30 consumer credit history per CBR.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 33.51% is above the minimum program requirements of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 20 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score of 799 > 170 required guideline requirements of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 107.38 months of reserves exceeds guideline requirements of 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75% LTV for Subject Property is below guideline max LTV of 80% |
| 10101093 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire | 1.13.26 Condo questionnaire provided, please clear finding.1.13.26 exception satisfied | 1.13.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 57.33 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 817 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.00<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has never been 1X30 with history from XXX |
| 10100991 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide proof of receipt for CD dated XXX | 1.14.26-Client provided CD issued XXX, e-signed XXX Satisfied. | 1.14.26- Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 13 years, 9 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 20 months mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 773 exceeds 660 the minimum required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 72.19% is below 80.00% the maximum allowable per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.01% is below 50.00% the maximum allowable per lender guidelines |
| 10100991 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide proof of receipt for CD dated XXX | 1.14.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.14.26- Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 13 years, 9 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 20 months mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 773 exceeds 660 the minimum required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 72.19% is below 80.00% the maximum allowable per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.01% is below 50.00% the maximum allowable per lender guidelines |
| 10100991 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $250 due to a second appraisal fee of $225 increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 1.14.26-Client provided COC, satisfied. | 1.14.26- satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 13 years, 9 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 20 months mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 773 exceeds 660 the minimum required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 72.19% is below 80.00% the maximum allowable per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.01% is below 50.00% the maximum allowable per lender guidelines |
| 10101060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 16.44 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 17.25% is above the minimum program requirements of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score 741 > 141 points above guideline program minimum of 600.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 10 years and 3 months. |
| 10100992 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Active | C | B | C | B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing 2 consecutive months statements for XXX & XXX. XXX - XXX statements were provided. Missing XXX statement. XXX deems non material grade 2/B as sufficient chain of assets were documented. | 1.21.26 sept-nov stmts were provided. Missing October statement. | 1.021.26 exception deemed non material grade 2/B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX, or 32.78 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 36.41% is below guideline maximum of 85% for an Alt Doc Rate/Term refinance with a 783 credit score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per CPA letter borrower has been in business since XXX.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 15 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 357 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 783 mid-score per CBR. |
| 10101520 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been with the same employer for 18 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 60%, max allowed by G/L is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 735, minimum required by G/L is 620 |
| 10101103 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Provide the HOA Certificate/Questionnaire. | 1.19.2026-Client's response: January 14th 2026, 9:24:28 amHOA certification provided, please clear finding.1.19.2026-XXX's response: Received the HOA Certification, exception is satisfied. | 1.19.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 3 years and 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score of 710 > 90 required guideline requirements of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 228 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 59.38 months of reserves exceeds guideline requirements of 9 months. |
| 10101062 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for CD's XXX and XXX. | 1.21.26-Client provided CDs issued XXX & XXX, each e-signed on the date issued. Satisfied. | 1.21.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 29.54%, max allowed by G/L is 65%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has occupied the subject property for 26.4 years<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX for 22.9 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves, LTV = 75% - None Required. Post close reserves $XXX or 50.47 months PITIA |
| 10101062 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for CD's XXX and XXX | 1.21.26-Client provided CDs issued XXX & XXX, each e-signed on the date issued. Satisfied. | 1.21.26- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 29.54%, max allowed by G/L is 65%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has occupied the subject property for 26.4 years<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX for 22.9 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves, LTV = 75% - None Required. Post close reserves $XXX or 50.47 months PITIA |
| 10100993 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Missing proof $303.00 collection account with XXX XXX has been paid | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is in the same profession for 11 years, 5 months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 777 exceeds 720 the minimum required per lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 25 months mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 7.73% is below 50.00% the maximum allowable per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $248,949.12 the minimum amount required per lender guidelines |
| 10101063 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 8 Months Reserves<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 18 years 7 months at Current Residence<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 9+ Years in current profession |
| 10100994 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 51.90 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 40.73% is above the minimum program requirements of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score of 766 > 106 required guideline requirements of 660<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 50.01% LTV for Subject Property is below guideline max LTV of 80% |
| 10100996 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing Evidence of Receipt for $XXX HELOC Withdrawal | 1.19.26 Funds sent in the amount of $XXX as stated on wire.1.21.26 exception satisfied | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 32+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 203+ Months reporting positive<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History |
| 10100996 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo Documents / Condo Questionnaire | 1.15.26 Condo questionnaire provided, please clear finding.1.21.26 exception satisfied | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 32+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 203+ Months reporting positive<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History |
| 10101067 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.51% is below 55.00% the maximum allowable per lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 99 months mortgage payment history exceeds 12 months the minimum required per lender guidelines<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 103 months of 0x30 consumer credit history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 55.76% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 779 credit score exceeds 620 the minimum required per lender guidelines |
| 10101068 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM: Safe Harbor (APOR), XXX status is QM Rebuttable Presumption APOR due to Benchmark Date 12/18/25, loan has a test APR 8.465, the Benchmark Rate was 6.27%; Variance 2.195; max allowed is 1.5000% | 1.21.26 Client response; We accept the determination on this and please clear the exception.1.21.26 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 1.21.26 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been in the same line of work for 14.4 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 30.28 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 20.21%, max allowed by G/L is 50% |
| 10101068 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APOR status based upon XXXs review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: The borrower has been in the same line of work for 14.4 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 30.28 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 20.21%, max allowed by G/L is 50% |
| 10101524 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 75 is below guideline requirement max of 80.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Representative score of 742 exceeds guideline requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 10.71 is below guideline requirement max of 50.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or 53.14 months PITI reserve exceeds required reserves of ($XXX x XXX = $XXX). |
| 10161141 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing Initial Closing Disclosure delivered to borrower(s) 3 business days prior to consummation. | (No Data) | Initial CD provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrowers qualifying credit score is 804 and above the guide requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 235 months reserves after closing. |
| 10161141 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial Closing Disclosure delivered to borrower(s) 3 business days prior to consummation. | (No Data) | Initial CD provided | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrowers qualifying credit score is 804 and above the guide requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 235 months reserves after closing. |
| 10161141 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial Closing Disclosure delivered to borrower(s) 3 business days prior to consummation. | (No Data) | Initial CD provided | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrowers qualifying credit score is 804 and above the guide requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 235 months reserves after closing. |
| 10162228 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The HOA statement or attestation that there is no HOA for investment property XXX., is missing from the loan file. | Received lender lox. No HOA for XXX Property is a XXX | Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Borrower has positive mortgage payment history reported on credit report 0X30/ 0X60/ 0X90.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has low credit utilization of 4.44%. |
| 10217431 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines specify reserves required for 3 months ($XXX). Total reserves verified in the amount of $XXX(818 months)<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid fico score 730. |
| 10217433 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is more than 5 points below maximum DTI requirements.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 1,205 months reserves exceeds minimum reserve requirement by more than 6 months |
| 10110981 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | C | B | N/A | N/A | D | B | D | A | C | B | N/A | N/A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Please provide complete Title, only Schedule A was provided. | 12-8-25 Client uploaded title. | 12-9-25 XXX reviewed title and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 760 is 20 points above minimum program requirement of 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets $XXX, 54.30 months; 3 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have0x30x93 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 10110981 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | C | B | N/A | N/A | D | B | D | A | C | B | N/A | N/A | Property Valuations | Appraisal | Waived | C | B | C | B | PRVAAPPR4789 | Appraisal Deficiency | No | Missing photos and comparable map for Short Term Rental Comparables provided. | 12-8-25 Client replied: please refer to pages 21-22 of the appraisal pkg- for the comparable photos and pages 32-34 for the comparable map. 12-10-25 Client uploaded exception. 01/27/2026 - Acknowledged by client. | 12-9-25 XXX reviewed file - pages 21-22 from the appraisal package are the sales comparables. File is missing the Short Term rental comparable photos and map. Exception remains. 12-10-25 XXX reviewed exception and discussed with management.XXX deems non-material/non-fatal to lending decision due to compensating factors: 54.30 months cash reserves/3 required, Credit score of 760/740 minimum, and mortgage history of 93 months/12 required. Non-material exception remains. 01/27/2026 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 760 is 20 points above minimum program requirement of 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets $XXX, 54.30 months; 3 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have0x30x93 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 10110892 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned current residence 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score 715. Guideline minimum 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 5.6 months. No reserves are required. |
| 9694017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Legal Documents | Waived | B | B | B | B | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Loan File is Missing or Contains Insufficient Documentation for Basic Review | (No Data) | The file includes an exception approval dated XXX for the loan amount of XXX | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 70 months reserves |
| 9694017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4631 | Loan parameters do not meet guidelines | No | The guidelines indicate under the bank statement program, XXX occurrences are allowed within the last 12 months, XXX occurrence is defined as the account having a negative daily balance for more than 24 hours and to avoid being treated as a XXX there should be no fee associated with resolving an overdraft. In this case, there were 5 XXX (XXX, XXX, XXX, XXX & XXX) occurrences. These did not result in a negative daily balance as the checks were returned but did result in an overdraft charge for each. An LOE was not in the file. | Received lox regarding XXX and negative daily balances. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 70 months reserves |
| 10217407 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Borrower is short $XXX for closing. The final 1003 shows a XXX account #XXX with a balance that would be sufficient to cover the shortage to close. | Received XXX acct #XXX supporting assets | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 720. Mid fico score 752.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10217407 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 3 months reserves required. Borrower has no verified assets to cover reserves after closing. The final 1003 shows a XXX account #XXX which was not documented in the file. The balance for this account on the 1003 would be sufficient to cover the reserve requirement. | Received XXX acct #XXX supporting assets | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 720. Mid fico score 752.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10217407 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | DTI | Waived | C | B | C | B | CRDDTI187 | Debt Ratio > 50% | No | Debt Ratio > 50% | Received exception request and approval. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 720. Mid fico score 752.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10217407 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | The borrower is moving from XXX to XXX. A letter indicate how this move will effect the continuation of the business income used for qualifying was not in the file. | CPA letter provided to cure. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 720. Mid fico score 752.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10217407 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC3204 | Income Documentation Missing | No | Evidence the dependent social security benefit received for XXX will have a 3 year continuation was not in the file. | Received exception request and approval. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 720. Mid fico score 752.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10217407 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4763 | Missing Extension Agreement | No | Missing purchase contract. | Document provided to cure. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 720. Mid fico score 752.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10210134 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Borrower has positive mortgage payment history reported on credit report 0X30/ 0X60/ 0X90.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 30.32% DTI is low. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **MSRM 2026-NQM7** | **MSRM 2026-NQM7** | **MSRM 2026-NQM7** | **MSRM 2026-NQM7** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **10/23/2025 - 4/07/2026** | **10/23/2025 - 4/07/2026** | **10/23/2025 - 4/07/2026** | **10/23/2025 - 4/07/2026** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **132** | **132** | **132** | **132** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *132* | *132* | *132* | *132* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *78* | *78* | *78* | *78* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 10110817 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110822 | XXXXXX | XXXXXX | D | B | B | B | D | A | N/A | N/A | D | B | B | B | D | A | N/A | N/A | Not Applicable |
| 10110950 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10026516 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10026520 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10026524 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10110965 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 10026566 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10110811 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110881 | XXXXXX | XXXXXX | B | A | B | A | A | A | N/A | N/A | B | A | B | A | A | A | N/A | N/A | Not Applicable |
| 10026593 | XXXXXX | XXXXXX | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Not Applicable |
| 10110928 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 10110900 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10026608 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10026615 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10026618 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110929 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110922 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110839 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10110859 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10110841 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110834 | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable |
| 10110936 | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | No |
| 10110958 | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable |
| 10110947 | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Not Applicable |
| 10110945 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 10110916 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 10110884 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110893 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 10110878 | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 10110941 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10110880 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10110886 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110842 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110862 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10110960 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 10110953 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110902 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10110801 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 10110856 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110956 | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | No |
| 10110948 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10101113 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10101497 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10101000 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 10100935 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 10100936 | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Not Applicable |
| 10007275 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10100937 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10100938 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100940 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 10100942 | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 10100943 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 10100944 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 10101119 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 10101004 | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | No |
| 10101005 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 10101006 | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | No |
| 10101008 | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | Not Applicable |
| 10100947 | XXXXXX | XXXXXX | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Not Applicable |
| 10100948 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 10101009 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10100950 | XXXXXX | XXXXXX | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | No |
| 10101501 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 10101011 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10101111 | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | No |
| 10100951 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10100952 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 10101013 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 10100954 | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | No |
| 10100955 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10100956 | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | No |
| 10101017 | XXXXXX | XXXXXX | D | B | D | A | C | A | C | B | D | B | D | A | C | A | C | B | No |
| 10100957 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10101020 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100958 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 10100959 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 10100960 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 10101022 | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable |
| 10100961 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 10100963 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 10101033 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 10101108 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10101034 | XXXXXX | XXXXXX | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Not Applicable |
| 10101099 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10100966 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100967 | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable |
| 10100968 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10101038 | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable |
| 10101039 | XXXXXX | XXXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | No |
| 10100970 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | No |
| 10101510 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10100972 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100973 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 10101041 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 10101512 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100974 | XXXXXX | XXXXXX | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Not Applicable |
| 10101043 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10100975 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 10100976 | XXXXXX | XXXXXX | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Not Applicable |
| 10101047 | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable |
| 10100981 | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable |
| 10101049 | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | No |
| 10100983 | XXXXXX | XXXXXX | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | No |
| 10100984 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 10100986 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 10101109 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10101516 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10101517 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 10101093 | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 10100991 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 10101060 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100992 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 10101520 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10101103 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 10101062 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 10100993 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 10101063 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100994 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100996 | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No |
| 10101067 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10101068 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | No |
| 10101524 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10161141 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 10162228 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10217431 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10217433 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110981 | XXXXXX | XXXXXX | D | B | D | A | C | B | N/A | N/A | D | B | D | A | C | B | N/A | N/A | No |
| 10110892 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9694017 | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Not Applicable |
| 10217407 | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 10210134 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.4 - Schedule 3**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ![EMBEDDED:F01A86804BB0071B1B33159D564CB2F4](ex99-4s3_image01.jpg) |  |  |  |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *58* | *58* | *58* |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 10110817 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 10110950 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 10026516 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026516 | XXXXXX | Months PITI Reserves | 11.0000 | 11.39 |
| 10026524 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026524 | XXXXXX | Months PITI Reserves | 149.0000 | 106.99 |
| 10026566 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026566 | XXXXXX | Months PITI Reserves | 86.0000 | 31.54 |
| 10026566 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 10110881 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10110881 | XXXXXX | Combined Loan to Value | 75.1100 | 80 |
| 10110881 | XXXXXX | Months PITI Reserves | 13.0000 | 14.98 |
| 10026593 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026593 | XXXXXX | Months PITI Reserves | 81.0000 | 155.51 |
| 10110928 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10110928 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 10110928 | XXXXXX | Months PITI Reserves | 41.0000 | 32.05 |
| 10026608 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026608 | XXXXXX | Months PITI Reserves | 10.0000 | 13.02 |
| 10026615 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 10110859 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10110859 | XXXXXX | Months PITI Reserves | 66.0000 | 0 |
| 10110936 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10110936 | XXXXXX | Months PITI Reserves | 107.0000 | 107.08 |
| 10110936 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 10110958 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10110958 | XXXXXX | Months PITI Reserves | 107.0000 | 107.06 |
| 10110958 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 10110947 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10110947 | XXXXXX | Months PITI Reserves | 107.0000 | 106.57 |
| 10110947 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 10110945 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10110945 | XXXXXX | Months PITI Reserves | 107.0000 | 106.69 |
| 10110945 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 10110884 | XXXXXX | Borrower DSCR Percent | 1.3637 | 1.0912 |
| 10110893 | XXXXXX | Property Type | SFR | SFR-Attached |
| 10110941 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 10110941 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 10110842 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10110842 | XXXXXX | Months PITI Reserves | 108.0000 | 26.68 |
| 10110862 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10110862 | XXXXXX | Months PITI Reserves | 51.0000 | 13.29 |
| 10110960 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 10110953 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10110953 | XXXXXX | Months PITI Reserves | 158.0000 | 13.89 |
| 10110953 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 10110953 | XXXXXX | Representative Score | 797 | 806 |
| 10110801 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 10110856 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10110856 | XXXXXX | Months PITI Reserves | 154.0000 | 64.94 |
| 10110956 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 10110948 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 10101497 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10101497 | XXXXXX | Months PITI Reserves | 18.0000 | 41.37 |
| 10101497 | XXXXXX | Qualifying DTI (Back) | 30.7700 | 12.3795 |
| 10100936 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10100936 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 10100936 | XXXXXX | Months PITI Reserves | 900.0000 | 873.86 |
| 10007275 | XXXXXX | Property Type | SFR | Detached PUD |
| 10100940 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10100940 | XXXXXX | Months PITI Reserves | 121.0000 | 63.09 |
| 10101008 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 10100950 | XXXXXX | Qualifying DTI (Back) | 18.6100 | 21.7172 |
| 10101501 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10101501 | XXXXXX | Months PITI Reserves | 52.0000 | 85.71 |
| 10100951 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10100951 | XXXXXX | Months PITI Reserves | 15.0000 | 19.5 |
| 10100952 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10100952 | XXXXXX | Months PITI Reserves | 21.0000 | 17.85 |
| 10101013 | XXXXXX | Loan Doc Type | Alt Doc/Bank Statements | Full Doc |
| 10101013 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 10100954 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 10100956 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10100957 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 10101020 | XXXXXX | Qualifying DTI (Back) | 40.0500 | 36.5356 |
| 10100959 | XXXXXX | Loan Doc Type | Full Doc | Alt Doc/Bank Statements |
| 10100959 | XXXXXX | Qualifying DTI (Back) | 49.8300 | 32.4923 |
| 10101022 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 10101022 | XXXXXX | Qualifying DTI (Back) | 41.6000 | 33.2574 |
| 10100961 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10100961 | XXXXXX | Months PITI Reserves | 33.0000 | 31.21 |
| 10101033 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10101033 | XXXXXX | Months PITI Reserves | 33.0000 | 42.33 |
| 10101108 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10101108 | XXXXXX | Months PITI Reserves | 101.0000 | 61.28 |
| 10101108 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 10101099 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 10100968 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10100968 | XXXXXX | Months PITI Reserves | 45.0000 | 39.51 |
| 10101038 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10101038 | XXXXXX | Months PITI Reserves | 5.0000 | 24.08 |
| 10101038 | XXXXXX | Representative Score | 781 | 767 |
| 10101512 | XXXXXX | Qualifying DTI (Back) | 44.5700 | 35.7425 |
| 10100976 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10100976 | XXXXXX | Months PITI Reserves | 30.0000 | 31.9 |
| 10100981 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10100981 | XXXXXX | Months PITI Reserves | 34.0000 | 28.66 |
| 10100983 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10100983 | XXXXXX | Months PITI Reserves | 56.0000 | 60.93 |
| 10100983 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 10100984 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 10101516 | XXXXXX | Qualifying DTI (Back) | 26.5100 | 16.1654 |
| 10101060 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 10100996 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 10100996 | XXXXXX | Qualifying DTI (Back) | 37.5500 | 33.4635 |
| 10101524 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10101524 | XXXXXX | Months PITI Reserves | 104.0000 | 53.14 |
| 9694017 | XXXXXX | Loan to Value | 57.1430 | 64.3087 |
| 9694017 | XXXXXX | Note Rate | XXXXXX | XXXXXX |
| 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 | 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 | 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 | 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 | 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 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.4 - Schedule 4**

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **MSRM 2026-NQM7** | **MSRM 2026-NQM7** | **MSRM 2026-NQM7** |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **10/23/2025 - 4/07/2026** | **10/23/2025 - 4/07/2026** | **10/23/2025 - 4/07/2026** |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **132** | **132** | **132** |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *132* | *132* | *132* |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 10110817 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.49 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110822 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110950 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10026516 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026520 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026524 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10110965 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.8749 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10026566 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110811 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110881 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026593 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.8749 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10110928 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110900 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026608 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026615 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.49 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10026618 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110929 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110922 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110839 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110859 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 10110841 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 10110834 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10110936 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110958 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110947 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110945 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110916 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110884 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110893 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Unemployed | Unemployed | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 10110878 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110941 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10110880 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110886 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110842 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110862 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110960 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110953 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110902 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10110801 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10110856 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110956 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10110948 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.49 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10101113 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10101497 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10101000 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7829.32 | XXXXXX | 9.3432 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100935 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9244 | XXXXXX | 6.7267 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 2819.01 |
| 10100936 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7824 | XXXXXX | 6.9166 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 58097.81 |
| 10007275 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6089.32 | XXXXXX | 9.4695 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10100937 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2327.85 | XXXXXX | 6.4321 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10100938 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 15087.75 | XXXXXX | 6.2212 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10100940 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 16963 | XXXXXX | 6.8097 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 12960.82 |
| 10100942 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 55369 | XXXXXX | 6.7903 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10100943 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 26416.09 | XXXXXX | 6.9568 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 53260.01 |
| 10100944 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9077.96 | XXXXXX | 7.7056 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101119 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10101004 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8663.63 | XXXXXX | 8.5957 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101005 | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | No | Yes | 12862.75 | XXXXXX | 8.3139 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101006 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5483.5 | XXXXXX | 7.8537 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10101008 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10357.75 | XXXXXX | 8.1256 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10100947 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11694 | XXXXXX | 6.6614 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10100948 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7466.5 | XXXXXX | 7.5677 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101009 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7106.5 | XXXXXX | 9.1572 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100950 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 19969 | XXXXXX | 7.7722 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 38718.98 |
| 10101501 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.125 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10101011 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6844 | XXXXXX | 9.1307 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 4365.48 |
| 10101111 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10100951 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 17560.99 | XXXXXX | 6.4878 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100952 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 38544 | XXXXXX | 7.3401 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10101013 | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6345 | XXXXXX | 7.7897 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10100954 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 16144 | XXXXXX | 6.7545 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 23554.73 |
| 10100955 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 12284 | XXXXXX | 7.5121 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100956 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14549 | XXXXXX | 6.723 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 18646.98 |
| 10101017 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9010 | XXXXXX | 6.7491 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 8593.48 |
| 10100957 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 17920 | XXXXXX | 7.0279 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101020 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 31091.5 | XXXXXX | 7.8136 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10100958 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 29408 | XXXXXX | 7.3325 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10100959 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11044 | XXXXXX | 7.5512 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100960 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1744 | XXXXXX | 6.7663 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 72823 |
| 10101022 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15422.75 | XXXXXX | 7.6426 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100961 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 16393.3 | XXXXXX | 6.9623 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10100963 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 19744 | XXXXXX | 7.1305 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101033 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15054 | XXXXXX | 7.6182 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10101108 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10101034 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9738.25 | XXXXXX | 7.6237 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10101099 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10100966 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 21623 | XXXXXX | 6.9889 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10100967 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 21194 | XXXXXX | 6.5746 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10100968 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 10294 | XXXXXX | 7.3218 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101038 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12681.5 | XXXXXX | 6.8752 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 10101039 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11869 | XXXXXX | 9.0494 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100970 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9397.51 | XXXXXX | 8.2165 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101510 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.125 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10100972 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6489.15 | XXXXXX | 6.5868 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 23437.05 |
| 10100973 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 16632.5 | XXXXXX | 6.3755 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101041 | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5745.66 | XXXXXX | 8.0713 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 10101512 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10100974 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2465.08 | XXXXXX | 7.2767 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101043 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6019 | XXXXXX | 8.5831 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100975 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13294 | XXXXXX | 6.9609 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100976 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12259 | XXXXXX | 6.2837 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101047 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10338.77 | XXXXXX | 7.8975 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 68895.17 |
| 10100981 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 8368 | XXXXXX | 6.7166 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101049 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11094 | XXXXXX | 7.3875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100983 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 11036.5 | XXXXXX | 6.962 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 18357.78 |
| 10100984 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 24742.13 | XXXXXX | 8.1394 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100986 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 37104 | XXXXXX | 8.6299 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10101109 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10101516 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10101517 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10101093 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10100991 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 11183.5 | XXXXXX | 7.0652 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101060 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 22894 | XXXXXX | 7.4923 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100992 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 8370.54 | XXXXXX | 6.5414 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101520 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10101103 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10101062 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 24419 | XXXXXX | 7.6667 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 34461.56 |
| 10100993 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 49744 | XXXXXX | 7.5096 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101063 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6974 | XXXXXX | 7.9983 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100994 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 23746.42 | XXXXXX | 6.6879 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10100996 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 405.68 | XXXXXX | 7.0125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10101067 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6534 | XXXXXX | 7.3582 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10101068 | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | No | Yes | 12149.13 | XXXXXX | 8.4649 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 29607.2 |
| 10101524 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10161141 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6852.5 | XXXXXX | 6.9355 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 2500 |
| 10162228 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2499 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10217431 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10217433 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110981 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10110892 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9694017 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.49 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10217407 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1295 | XXXXXX | 6.9275 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10210134 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10897.52 | XXXXXX | 7.2162 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 30763.8 |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.4 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **MSRM 2026-NQM7** | **MSRM 2026-NQM7** | **MSRM 2026-NQM7** | **MSRM 2026-NQM7** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **10/23/2025 - 4/07/2026** | **10/23/2025 - 4/07/2026** | **10/23/2025 - 4/07/2026** | **10/23/2025 - 4/07/2026** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **132** | **132** | **132** | **132** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *132* | *132* |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| *Loans In Report:* |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 10110817 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10110950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10026516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 10026520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 10026524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -8.69% | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10110965 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 10026566 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.41% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 10110881 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10026593 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.91% | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 10110928 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 4.12% | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10026608 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 10026615 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 10026618 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 10110929 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.96% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 10110839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 10110859 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 10110841 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 10110834 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 2.97% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 10110936 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10110947 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 10110884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.47% | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110893 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -4.62% | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 10110878 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10110941 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10110886 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 10110842 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10110862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -2.56% | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 10110953 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110902 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 10110801 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10110856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.80% | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10101113 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10101497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.15% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 10101000 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10100935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10100936 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 10007275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10100937 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10100938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10100940 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 10100942 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 10100943 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 5.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 10100944 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 10101119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10101004 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 10101005 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 10101006 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10101008 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -11.02% |  | $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% | 4 |
| 10100947 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 10100948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10101009 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 10100950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10101501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 10101011 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10101111 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 10100951 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 10100952 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10101013 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10100954 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 10100955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10100956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10101017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10100957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 10101020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 10100958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10100959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10100960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 10101022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10100961 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10100963 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 10101033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 10101108 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10101034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 10101099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 10100966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10100967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 10100968 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10101038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10101039 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 10100970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 10101510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10100972 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 10100973 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 10101041 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 10101512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 10100974 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 10101043 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 10100975 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 10100976 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 10101047 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 10100981 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10101049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 10100983 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 10100984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10100986 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10101109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 10101516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10101517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10101093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10100991 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004D (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10101060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 1.28% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.28% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 10100992 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10101520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 10101103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 10101062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10100993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 3.33% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 10101063 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 10100994 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 10100996 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 10101067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10101068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10101524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10161141 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10162228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10217431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10217433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10110981 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 10110892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9694017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10217407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 10210134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.4 - Schedule 6**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | | |  |  |
| **Client Project Name:** | **MSRM 2026-NQM7** | **MSRM 2026-NQM7** |  |  |
| **Start - End Dates:** | **10/23/2025 - 4/07/2026** | **10/23/2025 - 4/07/2026** |  |  |
| **Deal Loan Count:** | **132** | **132** |  |  |
| **Waived Conditions Summary** |  |  |  |  |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Legal Documents | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 1 |
| Credit | DTI | CRDDTI187 | Debt Ratio > 50% | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 1 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 1 |
| Property Valuations | Appraisal | PRVAAPPR4789 | Appraisal Deficiency | 1 |
| **Total** |  |  |  | **7** |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.5**

**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 newly originated residential mortgage loans acquired by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates through a bulk purchase. The review included a total of 236 newly originated residential mortgage loans, in connection with the securitization identified as MSRM 2026-NQM7 (the "Securitization"). The Review was conducted from November 2025 through June 2026 on mortgage loans originated between October 2025 through April 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 Underwr iting Factors

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

&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
 the applicable dollar amount threshold.

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

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

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

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cashout refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds of 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;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.

Three (3) loans had a Secondary Appraisal, thirty-six (36) loans had an AVM, and ninety-two (92) loans had Desktop Reviews. In ten (10) instances, loans had both an AVM and Desk Review(s). 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 seven (7) occurrences of this.

Zero (0) loans had a Second Desk Review, two (2) loans had a Field Review, one (1) loan had a BPO appraisal value 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 two hundred thirty-six (236) mortgage loans reviewed, one hundred-seventeen (117) unique mortgage loans (49.58% by loan count) had a total of three hundred-four (304) discrepancies across thirty-one (31) 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;65 | &nbsp;&nbsp;21.38% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;46 | &nbsp;&nbsp;15.13% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;26 | &nbsp;&nbsp;8.55% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;23 | &nbsp;&nbsp;7.57% |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.59% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;14 | &nbsp;&nbsp;4.61% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;13 | &nbsp;&nbsp;4.28% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;13 | &nbsp;&nbsp;4.28% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.95% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.29% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.96% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.30% |
| &nbsp;&nbsp;Seller Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.97% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.97% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.64% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.32% |
| &nbsp;&nbsp;Loan Product Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.32% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.32% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.99% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.99% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Lock Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**304** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal<br> Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;219 | &nbsp;&nbsp; $111405857.00 | &nbsp;&nbsp;92.80% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;17 | &nbsp;&nbsp; $9315631.50 | &nbsp;&nbsp;7.20% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;236 | &nbsp;&nbsp; $120721488.50 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;231 | &nbsp;&nbsp;97.88% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.12% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;236 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Results: (As applicable, 93 loans within the population did not receive a Compliance Review)** | &nbsp;&nbsp;**Compliance Results: (As applicable, 93 loans within the population did not receive a Compliance Review)** | &nbsp;&nbsp;**Compliance Results: (As applicable, 93 loans within the population did not receive a Compliance Review)** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;134 | &nbsp;&nbsp;93.71% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;9 | &nbsp;&nbsp;6.29% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;143 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;233 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;236 | &nbsp;&nbsp;100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception <br> Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;167 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Not Executed | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 IRS Transcripts Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 W2/1099 Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;2 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Personal Guaranty | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Initial 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Appraisal Aged | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 W2/1099 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Business Bank Statements Less Than 12 Months Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower signed as a Type of Party Not Allowed by the Loan Program | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Closing Disclosure/Settlement Statement Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Closing Protection Letter Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 1 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Photo Identification not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Flood Certificate Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Prepayment Rider | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guarantor Identification Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Non-Arms Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Tradelines do not meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Rent Loss Coverage Not Sufficient | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 7 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Final 1003 is Not Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Note is Not Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Fraud Product | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Missing Income - Bank Statements | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Borrower 2 Credit Report is Expired | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Borrower 2 IRS Transcripts Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;1-4 Family Rider is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**262** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Closing Disclosure/Settlement Statement Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Guaranty Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;76 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;27 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;5 |
| &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;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% 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;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Right of Rescission is Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NY Subprime Home Loan Initial Loan Estimate Delivery Date Validation Test | &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;Homeownership Counseling Disclosure Is Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Texas F2 Notice for Home Equity Disclosure is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;TRID: Initial Loan Estimate not provided within 3 days of application | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**182** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;135 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Valuation product is deficient | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Completion Report or 1004D - Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal incomplete (missing map, layout, pages, etc.) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &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;Market Rent - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Questionnaire Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**152** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property – Square Footage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**3** |

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**Event Grade Definitions**

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

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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 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. |

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## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.5 - Schedule 1**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **MSID** | **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** |
| 10007063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10007063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10007063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9980449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE1485 | Credit | Asset 7 Does Not Meet Guideline Requirements | Asset 7 Does Not Meet Guideline Requirements AUS requires two months of bank Statements to verify assets. The XXX Statement for account #XXX dated XX/XX/XXXX covers only a one-month period. Please provide the prior consecutive month's Statement to satisfy the requirement. | XX/XX/XXXX AMB: Please note that the two-month requirement is only for depository assets. The AUS findings State under line item #XXX that available account balances for retirement accounts must be documented with a recent depository or brokerage account Statement. Additionally, FNMA B3-XXX-XXX States that the lender only needs to obtain the he most recent monthly or quarterly Statement for retirement or stock accounts. Since the XXX account is an IRA account, only one month Statement is required. | 01/22/2026 | Asset 7 Meets Guideline Requirements Or XXX | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9980449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ;. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9980449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational ;. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10047539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 01/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 48% is less than Guideline LTV of 80% A |
| 10047539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 01/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 48% is less than Guideline LTV of 80% A |
| 10047539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 01/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 48% is less than Guideline LTV of 80% A |
| 10083402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation the lender has no affiliates. | Document Uploaded. CT XX/XX/XXXX: Please see the attached LOA, The Affiliate Business Disclosure is only required when there are fees charged to the borrower which the broker/lender is affiliated with. There are no charges on this file that have affiliated payees. | 02/10/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.44% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.44% is less than Guideline LTV of 75% A |
| 10083402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title commitment reflects proposed amount of insurance as XXX | Document Uploaded. ; Document Uploaded. | 03/10/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Title provided with coverage of XXX ; ; Title provided. Countered - No coverage data listed on title provided. | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.44% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.44% is less than Guideline LTV of 75% A |
| 10083402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/12/2026 | 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 loan file was issued on XXX 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 XXX business days prior to consummation on XXX. Additional conditions may apply. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. XXX | 01/19/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 01/19/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.44% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.44% is less than Guideline LTV of 75% A |
| 10083402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/12/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | Closing disclosure issued XX/XX/XXXX has a valid COC however the CD is issued less than XXX days prior to closing, causing a violation in the amount of $XXX. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | CT XX/XX/XXXX: Please clarify the specific fee that increased, the cited COC is for a rate change. The APR and FC decreased, which is not required to be redisclosed XXX days prior to consummation. | 01/19/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 01/19/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.44% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.44% is less than Guideline LTV of 75% A |
| 10083402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.44% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.44% is less than Guideline LTV of 75% A |
| 10086298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing VOR for XXX, and XXX for XXX Month Housing History. | Document Uploaded. XX/XX/XXXX AD: Please see the attached breakdown of the borrower's housing history. The borrower rented at XXX for XXX year and XXX months through XXX of XXX per the VOM attached that was confirmed with the landlord (DLA XX/XX/XXXX). From there, we have attached XXX - XXX We are treating XXX of XXX as a Rental late that per XXX guidelines allowing XXX. | 02/17/2026 | Housing History Meets Guideline Requirements; Evidence provided by client. Pending review. | 02/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10086298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR for XXX, and XXX for XXX Month Housing History. | XX/XX/XXXX AD: Please see main condition uploaded. | 02/17/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 02/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10086298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. No Cure Required. HPML loan with established escrows and appraisal requirements met. Downgraded. HPML with established escrows and appraisal requirements met. |  |  | Informational | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10086298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10088792 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2026 | Resolved | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Condo approval is Missing. | Document Uploaded. condo approval | 01/23/2026 | Condo Approval is provided.; Condo Approval Missing. Condo approval is Missing. | 01/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10088792 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10088792 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10088573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard Insurance Binder is missing policy dwelling coverage amount. | Document Uploaded. XX/XX/XXXX MM: Please see attached policy | 02/06/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard Insurance Binder is missing policy dwelling coverage amount.; HOI included. Pending review. ; The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard Insurance Binder is missing policy dwelling coverage amount. | 02/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10088573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/01/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10088573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/01/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10089136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10089136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10089136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10100934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10100934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10100934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10106088 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Received lease agreement only | Document Uploaded. | 02/06/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; VOR provided. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Received lease agreement only | 02/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10106088 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10106088 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10111717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed | Document Uploaded. | 02/10/2026 | The Deed of Trust is Executed; Client provided executed DOT | 02/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10111717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10111717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10107800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | FVAL3525 | Property | Valuation product is deficient | XXX - Property is in XXX, XXX. |  |  | Investor provided clarification that this is required for properties in XXX City. | 02/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.56% is less than Guideline LTV of 70% A |
| 10107800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.56% is less than Guideline LTV of 70% A |
| 10107800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.56% is less than Guideline LTV of 70% A |
| 10029111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2026 | Resolved | FVAL3525 | Property | Valuation product is deficient | Investment XXX Cash out >= XXX% | XXX accepts value, ok to clear | 01/13/2026 | XXX accepts the value on the above file, ok to clear.; XXX accepts the value on the above file, ok to clear. | 02/27/2026 | D A C |
| 10029111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing The Business Purpose Affidavit is missing. | Document Uploaded. Business Purpose affidavit | 02/03/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & Occupancy Affidavit for the Borrower. LM Updated. | 02/04/2026 | D A C |
| 10029111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Note was executed in name of borrower's business. The required Personal Guaranty agreement is not in the file. | Document Uploaded. Guarantee agreement | 02/03/2026 | Personal Guaranty provided.; Client provided Guaranty for the Borrower. LM Updated. | 02/04/2026 | D A C |
| 10029111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCRE6534 | Credit | Missing Fraud Product | Missing business fraud report for XXX utilizing EIN number instead of borrower social security number | Document Uploaded. Business fraud report XXX | 02/03/2026 | Client provided Third Party Fraud report ran with XXX LLC with EIN number. Cleared. | 02/04/2026 | D A C |
| 10029111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing a copy of mortgage stamped true and certified. | Document Uploaded. Recorded deed | 01/23/2026 | The Deed of Trust is Present and Complete; Recorded DOT provided | 01/24/2026 | D A C |
| 10029111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing required EIN number for XXX | Document Uploaded. EIN number for XXX | 01/14/2026 | Client provided IRS letter assigning EIN to XXX LLC. Cleared. | 01/16/2026 | D A C |
| 10029111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Guidelines require XXX months rent loss in the amount of XXX hazard insurance policy reflects XXX | Document Uploaded. HOI with rent loss | 01/14/2026 | Loss Rent Coverage is Sufficient; Client provided Certificate of Insurance reflecting XXX Loss of Rents. Cleared. | 01/15/2026 | D A C |
| 10029111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCOM3596 | Credit | Missing Prepayment Rider | Rate lock indicates loan should have XXX month Prepayment Penalty of XXX mos interest. | Document Uploaded. PPP Addendum and Rider uploaded | 01/09/2026 | ; PPP provided | 01/11/2026 | D A C |
| 10029111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 01/06/2026 | D A C |
| 10099464 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10099464 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10099464 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10099466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10099466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10099466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10099484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10099484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10099484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10099489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Lender requires that each file contain a fraud tool to analyze the risk assessment of each borrower, which was not found among the loan documents. Please provide, along with evidence that any and all Red Flags or High Alerts have been cleared. |  |  | Third Party Fraud Report is provided; Document Uploaded. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10099489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | finding-2978 | Compliance | XXX 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations 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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10099489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. 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 CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX 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 XXX business days prior to consummation on XX/XX/XXXX. |  |  | Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10099489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The loan failed the charges that cannot increase test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase on XX/XX/XXXX did not rest the baseline. |  |  | Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10099489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10099489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. per guidelines XXX months of reserves are required as well as XXX months PITIA reserves for each additional financed property. | Document Uploaded. Please see the attached breakdown of qualifying assets, the total amount of XXX covers the funds to close and reserve requirement. | 01/22/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 01/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide mortgage Statements, Tax Cert, HOI, and HOA obligations for XXX XXX to verify housing obligation does not exceed XXX | Document Uploaded. Please see attached confirming there is no HOI. The home is free and clear. The proprety tax Statement was provided for review. Please review to clear this condition. | 01/23/2026 | ; Received document stating borrowers REO property is free and clear and does not carry insurance. | 01/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.95% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.95% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10139403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Assets submitted XXX less cash from borrower on Final CD do not meet required reserves (XXX months subject and XXX months other financed REO). Provide evidence borrower had XXX in reserves at time of closing | The required reserves are $XXX. The available reserves are $XXX. Available assets are XXX FTC are XXX which leaves the $XXX. The reserve requirement is met. Please review to clear this condition. | 01/23/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; When including XXX months of the borrowers other financed property, reserve requirement met. | 01/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.95% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.95% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10139403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.95% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.95% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10139403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.95% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.95% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10139406 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139406 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139406 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.92% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.92% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.92% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.92% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.92% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.92% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130B Cure Required, refund in the amount of XXX for increase in Appraisal. Cure package requires PCCD, LOE, copy of refund check proof of delivery or valid coc | Document Uploaded. Please see the attached notice of increased fee and appraisal order notes. Fee increased due to lack of available appraisers to complete order, which is listed on the bottom of the attached documents. Once an order was found an updated cost due to lack of comparables/appraisers was provided. | 01/22/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA `130B Cure Required - Cure of XXX required; cure package requires PCCD, LOE, copy of refund check proof of delivery or valid coc, Lender Credit decreased XXX | Document Uploaded. Please see the attached package mailed to the borrower curing the issue. | 01/27/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Please provide acceptable identification for borrower. | Document Uploaded. Please see attached confirmation of identification verification. | 01/28/2026 | Photo Identification provided. A copy of the Identity Verification Cert was provided. Cleared. | 01/29/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 10139418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 10139418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 10139424 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.11% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.11% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139424 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.11% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.11% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139424 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.11% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.11% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required: Cure of XXX required for decrease in lender credits. Lender credits decreased from XXX (as disclosed on re-disclosure changed circumstance) to XXX without valid COC or cure. According to the rate locks dated XX/XX/XXXX and XX/XX/XXXX, there were no new features. Provide a valid COC or cure. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. | Document Uploaded. Please see the attached redisclosure package. | 02/20/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 06/01/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10139427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Rescinded | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements MISSING MORTGAGE rating for current residence. Loan has been cited for missing verification of mortgage history to confirm the XXX used to generate the XXX% found on Final XXX Difference in rental income loss for current residence. AUS has a loss of XXX which is the P&I for curr res mortgage billing stmt in file. XXX States loss of $XXX. | Document Uploaded. Please see the attached mortgage Statement, which shows the borrower is not on the mortgage of this property. All that is included in DTI is tax/insurance/hoa dues etc. In addition, the AUS should not be referenced as this is a Non-Agency Non-QM loan, therefore what findings show is irrelevant. | 01/23/2026 | All documentation was provided in the loan file. ; Housing History Meets Guideline Requirements. Confirmed borrower is not outlined on the mortgage. Only amounts included in the DTI for borrower are the Tax and insurance payments with documentation in the loan image to support these fees. | 01/26/2026 | C B A |
| 10139427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10139438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Rescinded | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The XXX is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe XXX is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The XXX is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe XXX is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX. Applied undiscounted rate in clean up review. Exception rescinded Applied undiscounted rate in clean up review. Exception rescinded |  |  |  | 03/12/2026 | C A |
| 10139461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Per guidelines XXX months of subject property and XXX months for each REO is required for reserves. Borrower does not have sufficient funds to cover. | Loan was qualified with XXX in assets, the assets cover the funds to close and reserve requirement. | 01/22/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FVAL2477 | Property | Appraisal incomplete (missing map, layout, pages, etc.) | On the Flood Certificate the Flood Zone is XXX. On the appraisal, it reflects the FEMA Flood Zone as XXX. Lender did not have the appraiser update the appraisal to the correct Flood Zone. | The appraisal may be incorrect for flood zone, however the appraisal is not relied on for this data, the flood certificate is. Our guidelines do not require updating the flood zone indicated in the appraisal when it doesn't align with the flood cert. | 01/22/2026 | Lender confirmed - The appraisal may be incorrect for flood zone, however the appraisal is not relied on for this data, the flood certificate is. Our guidelines do not require updating the flood zone indicated in the appraisal when it doesn't align with the flood cert. | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.12% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.12% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.12% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.12% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.12% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.12% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.24% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.24% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.24% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.24% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.24% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.24% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/20/2026 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of a XXX Appraisal Review Fee on the XX/XX/XXXX CD. Documentation provided explains the XXX cost due to same day review but there is no explanation for why a review was needed on XX/XX/XXXX. Please provide a valid COC or cure package. | Document Uploaded. Please see uploaded documents, the CIC was the requirement of a CDA and the fee was XXX | 01/26/2026 | valid COC provided; exception resolved; valid COC provided; exception resolved | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10139521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10139521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10139412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.67% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.67% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.67% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10139416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10139416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10139426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Clear Prelim and Final Title policy ensuring ownership and lien information is missing | Document Uploaded. Please see attached title commitment. ; Document Uploaded. Please see the attached title policy. ; Document Uploaded. Please see attached title commitment | 02/05/2026 | Title Document is fully Present; The Title Commitment attached reflects Proposed amount of insurance of XXX which is less than the XXX of XXX and the Proposed Insured and Vested in name does not match the borrower's name. Please provide a complete Preliminary Title Report/Policy for the current subject loan.; The attached Preliminary Change of Ownership Report still does not include ownership and lien information. Please provide a complete Preliminary Title Report/Policy.; The attached Preliminary Change of Ownership Report still does not include ownership and lien information. Please provide a complete Preliminary Title Report/Policy.; Title Document is missing Clear Prelim and Final Title policy ensuring ownership and lien information is missing | 02/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.28% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.28% is less than Guideline CLTV of 75% A |
| 10139426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.28% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.28% is less than Guideline CLTV of 75% A |
| 10139426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.28% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.28% is less than Guideline CLTV of 75% A |
| 10139445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | 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 | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | The XXX has not affiliates and thus no ABA disclosure exists. Please review to clear this condition. | 01/28/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/29/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% A |
| 10139501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% A |
| 10139501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% A |
| 10139509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCRE1374 | Credit | Borrower 2 Business Bank Statements Less Than XXX Months Provided | Missing busines bank Statements from XXX acct #XXX. Provide XXX XXX and XXX to complete XXX consecutive months for support of qualifying income. | The borrower opened the XXX account ending XXX in XXX XXX and used the XXX account ending XXX for XXX business use from XXX XXX through the opening of the XXX account in XXX XXX See XXX account for complete XXX month history including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. | 01/28/2026 | Auditor included XXX account ending XXX to calculate XXX mos BS Income. | 01/29/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 10139509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Provide evidence that no new open tradelines resulted from credit inquiries on XX/XX/XXXX from XXX, XX/XX/XXXX from XXX Card, and XX/XX/XXXX from XXX | Document Uploaded. The Credit inquiry explanation letter confirms the borrower has not opened any new debts. No additional documentation is required. | 01/28/2026 | Lender confirmed the Credit inquiry explanation letter confirms the borrower has not opened any new debts. | 01/29/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 10139509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required: Provide evidence the appraisal was provided to borrower. | Unable to Resolve-Seller acknowledges. No change to grading. | 01/28/2026 | Confirmed : Unable to Resolve-Seller acknowledges. No change to grading.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required: Provide evidence the appraisal was provided to borrower. | 01/29/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 10139509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 10139542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Documentation required to clear exception: Proof of delivery/receipt of Final revised LE at least XXX days prior to closing. | Document Uploaded. Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document. | 01/29/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10139444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10139444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10139481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/30/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10139543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increases in the Tax Service Fee and the Lender's Title Policy Fee on the Initial CD dated XX/XX/XXXX. The COC in the file only shows increases on XX/XX/XXXX and XXX. | Document Uploaded. Please see the attached package mailed to the borrower.; Please be advised there was no documents uploaded with the response, the information is derived from the closing disclosures and loan estimates already part of the loan images. Please review and confirm only XXX cure is required.; Please be advised the Title-Lender's Title Policy fee was disclosed in Section C initially and increased when borrower confirmed they would proceed with XXX Close. Only XXX cure is owed for the tax service fee, please confirm.; Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 02/10/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Updated cure amount to XXX due to increase in tax service fee; The documents listed in response were not included, please re-upload for review. | 03/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10139543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. HPML compliant |  |  | HPML compliant | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/12/2026 | Resolved | FCRE7805 | Credit | Missing Income - Bank Statements | The Borrower qualified on the XXX month bank Statement program. The month of XXX of XXX was not found in the loan file. | Document Uploaded. attached. | 01/21/2026 | Client provided month of XXX Statement. Resolved. | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10084960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10084960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10084958 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084958 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084958 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084958 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084967 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 01/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084967 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. |  |  | HPML compliant | 01/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084967 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084967 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084778 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084778 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/19/2026 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure required: Cure of XXX required for charges that in total cannot increase more than XXX% Additional Title Services were added to final CD that were not previously disclosed on the Initial LE that exceeded the aggregate plus XXX% Cure requires PCCD, LOE, copy of refund check, and proof of mailing. | Document Uploaded. | 02/24/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084778 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084778 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10085000 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation Required- Missing signed documents consent. Intent to Proceed and other initial disclosures were electronically signed on XX/XX/XXXX. | Document Uploaded. | 02/12/2026 | Evidence of eConsent is provided. | 02/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10085000 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/22/2026 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Uniform Underwriting and Transmittal Summary and the Lender's income calculation worksheet indicate the Borrower's qualifying income is $XXX. The Final 1003 shows the Borrower's qualifying income as only $XXX. Please provide an updated Final 1003 with the Borrower's qualifying income of $XXX. | Document Uploaded. | 01/26/2026 | The Final 1003 is Present; Final 1003 with income of XXX as needed. ; The Final 1003 is Incomplete The Uniform Underwriting and Transmittal Summary and the Lender's income calculation worksheet indicate the Borrower's qualifying income is $XXX. The Final 1003 shows the Borrower's qualifying income as only $XXX. Please provide an updated Final 1003 with the Borrower's qualifying income of $XXX. | 01/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10085000 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/23/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10179437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The subject loan is a XXX of an investment property. The Final 1003 reflects that no rental income was used for the subject property. However, the Lender XXX reflects that rental income was used for the subject and a Lease was provided in the loan file. The Lender calculated the DTI using rental income from the subject property. | Document Uploaded. attached 1003 with rental income.; Document Uploaded. attached | 03/18/2026 | The Final 1003 is Present; 1003 with rental income listed. ; Client provided 1003 however no rental evidence provided on 1003 - Condition remains - Countered. | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10179437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10179437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10179449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10179449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10179449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10179350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Resolved | FCRE3472 | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Borrower provided letter of explanation in the file for NSF fees. | Document Uploaded. | 03/16/2026 | ; Explanation provided. | 03/17/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10179350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10179350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10179510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing the XXX XXX Bank Statement that was used in the income calculations for B1. | Document Uploaded. | 03/24/2026 | Income and Employment Meet Guidelines; Statement provided | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10179510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10179510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10179543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | 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 XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10179543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10179543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084993 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 65% exceeds Guideline CLTV of 50% DSCR Fusion - DSCR plus Asset Utilization guidelines State for XXX Condo LTV max is XXX% | Document Uploaded. | 03/31/2026 | Audited CLTV of 65% is less than or equal to Guideline CLTV of 70% | 04/01/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084993 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 65% exceeds Guideline HCLTV of 50% DSCR Fusion - DSCR plus Asset Utilization guidelines State for XXX Condo LTV max is XXX% | Document Uploaded. | 03/31/2026 | Audited HLTV of 65% is less than or equal to Guideline HCLTV of 70% | 04/01/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084993 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/30/2026 | Resolved | FCRE9785 | Credit | XXX Contract is Incomplete | XXX is XXX but XXX Contract Doc is Incomplete Please provide missing addendum showing the final XXX of XXX | Document Uploaded. | 03/31/2026 | XXX Contract Doc is complete.; Addendum provided | 04/01/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| 10084993 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | 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 DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084993 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10179355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10179355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10179355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10179355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10179522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | 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 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10179522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | 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 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10179522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/31/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10179448 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10179448 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | 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 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10179448 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10179446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | Documentation Required: The disbursement date of XX/XX/XXXX is the same as the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel. This loan failed the TILA right of rescission test losed-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) he funding date is before the third business day following consummation he 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. | Document Uploaded. | 04/10/2026 | PCCD provided with updated disbursement date; exception resolved; PCCD provided with updated disbursement date; exception resolved | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.71% is less than Guideline LTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.71% is less than Guideline CLTV of 75% A |
| 10179446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points Fee that increased on the final CD dated XX/XX/XXXX. The loan file does not contain a valid COC for the increase of the fee. | Document Uploaded. | 04/10/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.71% is less than Guideline LTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.71% is less than Guideline CLTV of 75% A |
| 10179446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.71% is less than Guideline LTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.71% is less than Guideline CLTV of 75% A |
| 10179446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.71% is less than Guideline LTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.71% is less than Guideline CLTV of 75% A |
| 9857437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. | 12/10/2025 | Evidence of eConsent is provided.; E-Consent provided was dated XX/XX/XXXX. However the 1st e-signed doc in the file was signed on XX/XX/XXXX. Please provide proof that borrower consented on XX/XX/XXXX or before | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX Notice of Settlement, XXX to XXX Settlement/closing, XXX to XXX photo copy, XXX to XXX deco, XXX to XXX endorsement, XXX to XXX title exam, XXX to XXX handling, XXX to XXX transaction platform. The fees were placed in section C, however the SSPL was missing so fees were tested as XXX% Final Charges That In Total Cannot Increase More Than XXX% Total = XXX Comparable Charges That In Total Cannot Increase More Than XXX% Total = XXX different XXX Based on the fee comparison between the Initial LE dated XX/XX/XXXX and the Final CD dated XX/XX/XXXX, the total comparable charges subject to XXX% tolerance increased from XXX to XXX resulting in a net tolerance variance of $XXX. | Document Uploaded. | 12/09/2025 | SSPL provided; Exception resolved; SSPL provided; Exception resolved | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. HPML compliant |  |  | Cleared; HPML compliant | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 12/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 12/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML Compliant; Cleared | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML Compliant; Cleared | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML Compliant; Cleared | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10110070 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10110070 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10109976 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10109976 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Informational | 02/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10109976 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Informational | 02/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10109976 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Acknowledged | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The lender granted an exception for this issue on XX/XX/XXXX. |  |  | The lender granted an exception for this issue on XX/XX/XXXX. |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10109976 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Acknowledged | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) The lender granted an exception for this issue on XX/XX/XXXX. |  |  | The lender granted an exception for this issue on XX/XX/XXXX. |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10110087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. The signed documents consent is missing. Provide consent dated on or before XX/XX/XXXX. | Document Uploaded. | 02/10/2026 | Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide econsent dated on or before XX/XX/XXXX. | 02/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10110087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). XXX HOI coverage reflected on policy in file for Dwelling Coverage A XXX with XXX% additional Coverage A. Unable to locate replacement cost estimator in file. | Document Uploaded. | 02/10/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). XXX HOI coverage reflected on policy in file for Dwelling Coverage A XXX with XXX% additional Coverage A. Unable to locate replacement cost estimator in file. | 02/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10110087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Informational | 02/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10110063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10110063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Informational | 02/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10110063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Informational | 02/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10110052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | 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. | 02/11/2026 | Required Affiliated Business Disclosure Documentation Provided; 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. | 02/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10110052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. The file does not contain a copy of the XXX or final loan approval. | Document Uploaded. | 02/11/2026 | Approval/Underwriting Summary is fully present; XXX provided by client. ; Missing Approval/Underwriting Summary. The file does not contain a copy of the XXX or final loan approval. | 02/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10110052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to A. This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 02/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10110052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. |  |  | HPML compliant | 02/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10110052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Informational | 02/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10110005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 02/12/2026 | Evidence of eConsent is provided. | 02/13/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10110005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Informational | 02/10/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10110005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Informational | 02/10/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10110002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file does not contain a copy of an HOA Statement or a letter of no HOA for the property located at XXX. | Document Uploaded. XXX click link, go under facts and features, scroll down, and you will see no HOA, screen shot also uploaded for your reference, thank you.; Document Uploaded. See the link below for the team to verify there are no dues. XXX | 02/19/2026 | No HOA XXX printout provided ; Countered. Client provided XXX printout with zero evidence of HOA inclusion/exclusion. | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10110002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. The file does not contain a copy of the Appraisal used to qualify. | Document Uploaded. | 02/12/2026 | Appraisal is Present or is Waived; Appraisal provided. | 02/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10110002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. |  |  | The issue with the property has been resolved. | 02/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10110002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Informational | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10109952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/24/2026 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing Lender Income Calculation Worksheet | Document Uploaded. | 03/02/2026 | Income worksheet provided. | 03/03/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| 10109952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 03/02/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| 10109952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | FCOM1267 | Compliance | Homeownership Counseling Disclosure Is Partially Provided | Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XX/XX/XXXX and Occupancy is Primary Residence) Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XXX. File does contain an Acknowledgement of receipt however, unable to confirm that the XXX organizations were provided. | Document Uploaded. | 03/02/2026 | Homeownership Counseling Disclosure Is Present or XXX (Date Creditor Received Application is XX/XX/XXXX and Occupancy is Primary Residence) | 03/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| 10109952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a. |  |  | HPML compliant | 02/25/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| 10109952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/25/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| 10161171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing Loan details and XXX reflect subject is XXX month business bank Statements. XXX reflects account #XXX used for income; however, unable to locate documentation in file. Unable to calculate audit income due to missing documentation. | Document Uploaded. | 03/12/2026 | Borrower 1 Business Bank Statements Provided; Statements and worksheet provided | 05/11/2026 | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Loan details and XXX reflect subject is XXX month business bank Statements. XXX reflects account #XXX used for income; however, unable to locate documentation in file. Guidelines require XXX months business bank Statements to verify income. This documentation was not in file. | Document Uploaded. | 03/12/2026 | Income and Employment Meet Guidelines; 12m provided. | 05/11/2026 | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCOM1229 | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. Subject is XXX of investment property. Unable to locate XX/XX/XXXX rider in file. | Document Uploaded. The attached assignment of leases and rents is the equivalent of the 1-4 Family rider | 02/27/2026 | Client Stated, "Document Uploaded. The attached assignment of leases and rents is the equivalent of the 1-4 Family rider" Resolved. | 03/03/2026 | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161162 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161162 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161162 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10109980 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | 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 XXX, however missing proof of e-consent dated XXX or before. | Document Uploaded. | 03/06/2026 | Evidence of eConsent is provided. | 03/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10109980 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10109980 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161237 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161237 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161237 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Condo approval is Missing. | Document Uploaded. | 04/14/2026 | Condo Approval is provided.; Condo warranty provided | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | 03/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.92% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.92% is less than Guideline LTV of 80% A |
| 10161139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.92% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.92% is less than Guideline LTV of 80% A |
| 10161139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.92% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.92% is less than Guideline LTV of 80% A |
| 10161267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | 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 XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before | Document Uploaded. | 03/26/2026 | Evidence of eConsent is provided. | 03/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 XX/XX/XXXX however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 03/30/2026 | Evidence of eConsent is provided. | 03/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 10161282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 10161282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 10161152 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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. | Document Uploaded. Affiliated business doc attached | 04/01/2026 | Required Affiliated Business Disclosure Documentation Provided.; Required Affiliated Business Disclosure Documentation Provided. | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161152 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161152 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161240 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | 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. ; Initial Escrow Account Disclosure is Resolved | 04/29/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161240 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Review Fee on the LE dated XX/XX/XXXX without valid COC. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. 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. | 04/03/2026 | Lender confirmed the appraisal review fee was lumped with the appraisal fee on the initial LE; exception resolved; Lender confirmed the appraisal review fee was lumped with the appraisal fee on the initial LE; exception resolved | 04/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161240 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161240 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220205 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX>. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either's First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(I) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(I). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(I) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(I) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. | Document Uploaded. | 04/02/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220205 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. |  |  | HPML compliant | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220205 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | 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 XXX-business days of application, XX/XX/XXXX. | Document Uploaded. | 04/02/2026 | Homeownership Counseling Disclosure Is Present or XXX | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220205 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220205 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. 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. | 04/08/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee on CD dated XX/XX/XXXX. The COCs in the file do not address the increase in appraisal fees. Documentation in the file shows appraisal invoice (pg XXX) was sent on XX/XX/XXXX | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Provide either a signed intent to proceed document or provided the date the borrower gave the lender/broker their intent to proceed. | Document Uploaded. | 04/08/2026 | Proof of Intent to Proceed has been provided. | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Business percentage of ownership and business narrative is missing for XXX, XXX | Document Uploaded. | 04/02/2026 | Income and Employment Meet Guidelines; CPA evidence provided | 04/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Document Uploaded. | 04/02/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Supplement provided | 04/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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. | 04/02/2026 | Third Party Fraud Report is provided; Fraud provided | 04/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161239 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. Appraisal requirements not met, missing appraisal delivery receipt. Unable to downgrade. | uploaded in other condition; uploaded in other condition | 04/14/2026 | Appraisal delivery provided; HPML compliant; document provided does not confirm the appraisal was delivered to the borrower at least XXX days prior to consummation | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10220191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2026 | 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: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | uploaded in other condition; uploaded in other condition | 04/14/2026 | Evidence of Appraisal Delivery to the Borrower Provided.; document provided does not confirm the appraisal was delivered to the borrower at least XXX days prior to consummation | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10220191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 04/14/2026 | Evidence of appraisal delivery provided.; document provided does not confirm the appraisal was delivered to the borrower, it only shows an order date but doesnt confirm the borrower received a copy ; document provided does not confirm the appraisal was delivered to the borrower at least XXX days prior to consummation | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10220191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCRE8611 | Credit | Income/Employment General | Self XXX Business narrative missing | Document Uploaded. | 04/10/2026 | Narrative provided | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10220191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | finding-2623 | Compliance | XXX COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Appraisal requirements not met, missing appraisal delivery receipt. Unable to downgrade. |  |  | HPML compliant | 04/03/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10220191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/03/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10161138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2026 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing | Document Uploaded. | 04/08/2026 | The Deed of Trust is Present; DOT provided | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2026 | 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 XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | 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 XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10250596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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. The signed documents consent is missing. Provide e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | 04/09/2026 | Evidence of eConsent is provided. | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.73% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.73% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10250596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.73% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.73% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10250596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.73% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.73% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10250613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | 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 XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10250613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | 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 XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10250613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 78% exceeds Guideline HCLTV of 75% | Document Uploaded. | 04/13/2026 | ; Exception Form provided - Exception needed to proceed at 80% LTV with XXX FICO v guides requiring XXX FICO to proceed at XXX% - Comp DTI> than XXX% below program requirement / DSCR > XX/XX/XXXX and High discretionary income | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 10220120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 78% exceeds Guideline CLTV of 75% | Document Uploaded. | 04/13/2026 | Exception Form provided - Exception needed to proceed at 80% LTV with XXX FICO v guides requiring XXX FICO to proceed at XXX% - Comp DTI> than XXX% below program requirement / DSCR > XX/XX/XXXX and High discretionary income | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 10220120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 78% exceeds Guideline LTV of 75% | Document Uploaded. | 04/13/2026 | Exception Form provided - Exception needed to proceed at 80% LTV with XXX FICO v guides requiring XXX FICO to proceed at XXX% - Comp DTI> than XXX% below program requirement / DSCR > XX/XX/XXXX and High discretionary income | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 10220120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. The signed documents consent is missing. Provide consent dated on or before XX/XX/XXXX. | Document Uploaded. | 04/13/2026 | E consent provided, exception resolved; Evidence of eConsent is provided. | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 10220120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. |  |  | HPML compliant | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 10220120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 10220225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.53% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.53% is less than Guideline CLTV of 80% A |
| 10220225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.53% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.53% is less than Guideline CLTV of 80% A |
| 10220225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.53% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.53% is less than Guideline CLTV of 80% A |
| 10220213 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220213 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220213 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161160 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161160 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161160 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Document Uploaded. | 04/14/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Updated title provided. | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10220293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE2900 | Credit | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. Non XXX Borrower Identification is missing in file. Credit UW Notes: We will need a legible ITIN as the one in file is cut off | Document Uploaded. | 04/14/2026 | Borrower Identification Document provided.; ID and ITIN provided | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10220293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a. |  |  | HPML compliant | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10220293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing 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. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a. |  |  | HPML compliant | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10220293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10161125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Acknowledged | FCRE1200 | Credit | Audited XXX is less than Guideline Minimum XXX | Audited XXX of XXX is less than the Guideline Minimum XXX of XXX Per the Guidelines the minimum allowable XXX id XXX loan approve at $XXX. Compensating factors include: DTI > than XXX% below program requirements. FICO above the minimum by XXX points or higher, VOR XXX in XXX months. Exception approved by XXX on XX/XX/XXXX. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/13/2026 | Evidence of eConsent is provided. | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | 04/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | 04/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XX/XX/XXXX. | Document Uploaded. | 04/13/2026 | Evidence of eConsent is provided. | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.72% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.72% is less than Guideline CLTV of 70% A |
| 10161285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | 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 51.72% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.72% is less than Guideline CLTV of 70% A |
| 10161285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.72% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.72% is less than Guideline CLTV of 70% A |
| 10220072 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM1282 | Compliance | XXX F2 Notice for Home Equity Disclosure is Missing | 7 XXX. Admin. Code §153.45 50(f)(2)(d) - XXX F2 Notice for Non-Home Equity Disclosure is not Provided. Documentation required to clear exception: Please provide the XXX F2 Notice for Non-Home Equity Disclosure within three business days of the loan application, XX/XX/XXXX, and at least XXX days before consummation, XX/XX/XXXX | Document Uploaded. ; Document Uploaded. | 04/17/2026 | Client confirmed previous mortgage is a XXX(a)(XXX) Reverse Mortgage; confirmed with Counsel, requirements under XXX(f)(XXX) do not apply. ; 7 XXX. Admin. Code §153.45 50(f)(2)(d) - XXX F2 Notice for Non-Home Equity Disclosure is Provided or XXX.; F2 disclosure dated XX/XX/XXXX was not XXX days before the consummation date of XX/XX/XXXX, exception retained.; 7 XXX. Admin. Code §153.45 50(f)(2)(d) - XXX F2 Notice for Non-Home Equity Disclosure is not Provided. | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 10220072 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Document Uploaded. | 04/14/2026 | appraisal delivery provided, exception resolved ; Evidence of appraisal delivery provided. | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 10220072 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/14/2026 | E consent provided, exception resolved; Evidence of eConsent is provided. The eSigned documents consent is missing. | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 10220072 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 10220072 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 10220190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | 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) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. | 04/14/2026 | Appraisal delivery provided; HPML compliant | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | 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 XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Document Uploaded. | 04/14/2026 | Evidence of Appraisal Delivery to the Borrower Provided. | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Document Uploaded. | 04/14/2026 | Evidence of appraisal delivery provided. | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/14/2026 | Evidence of eConsent is provided. | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220187 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCRE2900 | Credit | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. Non XXX Identification Document is missing in File. | Document Uploaded. | 04/15/2026 | Borrower Identification Document provided.; Passport provided | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A |
| 10220187 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A |
| 10220187 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A |
| 10220291 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.46% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.46% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220291 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.46% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.46% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220291 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.46% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.46% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Recording Fee. | Document Uploaded. ; Document Uploaded. | 04/20/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; COC provided did not resolve the exception, the COC did not list a valid reason for recording fees to increase | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCOM1263 | Compliance | Right of Rescission is Partially Provided | Right of Rescission is Partially Provided Documentation required to clear exception: Provide executed Right of Rescission for all borrowers. The Right to Cancel Notice was not signed by the co-borrower. | Document Uploaded. | 04/14/2026 | Right of Rescission is Provided | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Document Uploaded. Document Uploaded. valid COC provided; exception resolved valid COC provided; exception resolved |  |  | TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase in credit report without a valid COC | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the increase in recording fees without a valid COC TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the increase in recording fees without a valid COC This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Document Uploaded. Document Uploaded. Document Uploaded. Valid COC provided; exception resolved Valid COC provided; exception resolved |  |  | TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the increase in recording fees without a valid COC | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCOM1252 | Compliance | TRID: Missing Loan Estimate | This loan failed the loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)) The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer. | Document Uploaded. | 04/17/2026 | LEs provided; exception resolved | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX 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 XXX business days prior to consummation on XX/XX/XXXX. | Document Uploaded. | 04/17/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | finding-3647 | Compliance | XXX Subprime Home Loan Initial Loan Estimate Delivery Date Validation Test | This loan failed the XXX subprime home loan initial loan estimate delivery date validation test. (XXX Banking Law XXX-m §XXX(b) he initial loan estimate delivery date was not provided he initial loan estimate delivery date is required to determine the "fully indexed rate" as used in the XXX subprime home loan definition. The loan file is missing the initial loan estimate and the XXX approved counseling list. Unable to downgrade. | Document Uploaded. | 04/17/2026 | LEs provided; exception resolved; LEs provided; exception resolved | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. The eSigned documents consent is missing. | Document Uploaded. | 04/17/2026 | Evidence of eConsent is provided. | 04/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCRE1162 | Credit | Flood Certificate Partially Provided | Flood Certificate is Partially Provided The provided flood certification does not contain a community Panel number, a panel date, a vendor name, or a date of determination. | Document Uploaded. | 04/17/2026 | Flood Certificate is fully present; Lender uploaded the Flood certificate | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing ITIN for Borrower 1 is expired and the file does not contain copies of the Borrower's Tax transcripts verifying current ITIN status and the provided ITIN letter is dated XX/XX/XXXX, which is more than XXX years old. Current transcripts were not provide to validate the borrower's current ITIN status. | Document Uploaded. | 04/17/2026 | Borrower 1 IRS Transcripts Provided; XXX Tax Transcripts uploaded and verified. | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% D A |
| 10220117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. The file is missing copies of the XXX and XXX W2's for Borrower 1 that were used to qualify per the income calculator. | Document Uploaded. | 04/17/2026 | Borrower 1 W2/XXX Provided; XXX W-2 uploaded and verified. | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% D A |
| 10220117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines ITIN for Borrower 1 and the file does not contain copies of the Borrower's Tax transcripts verifying current ITIN status and the provided ITIN letter is dated XX/XX/XXXX, which is more than XXX years old. Current transcripts were not provide to validate the borrower's current ITIN status. and the XXX and XXX W2 is missing for Borrower 1. | Uploaded in other condition | 04/17/2026 | Income and Employment Meet Guidelines | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% D A |
| 10220117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML Compliant | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% D A |
| 10220117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% D A |
| 10220073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | 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. | 04/14/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.75% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.75% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.75% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.75% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.75% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.75% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220141 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed on XX/XX/XXXX. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. (Missing XX/XX/XXXX CD per Mavent report in file). | Document Uploaded. | 04/20/2026 | Initial CD received - exception resolved; Initial CD received - exception resolved | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220141 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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. The loan meets all applicable credit guidelines. |  |  | Informational | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220141 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | 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 | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Missing 1004D showing fixtures were installed | Document Uploaded. | 04/22/2026 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.97% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.97% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Loose wire in Bathroom - Fixtures to be installed | Document Uploaded. | 04/22/2026 | The issue with the property has been resolved.; Lender uploaded Appraisal Update and/or Completion Report; One or more issues or defects with the property have been discovered. | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.97% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.97% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | 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. | 04/16/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.97% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.97% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.97% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.97% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE1248 | Credit | XXX is not considered to be an Arm's Length Transaction | XXX is not considered to be an Arm's Length Transaction | Document Uploaded. | 04/21/2026 | XXX is considered to be an Arm's Length Transaction, or XXX; Lender uploaded explanation of relationship | 05/05/2026 | C A B |
| 10220273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE5779 | Credit | Borrower 2 Credit Report is Expired | Borrower 2 Credit Report is Expired (Greater than XXX days from the Closing Date). B2's credit report is dated the same as B1s XXX | Document Uploaded. | 04/20/2026 | Borrower 2 Credit Report is not Expired.; Reports provided | 04/21/2026 | C A B |
| 10220273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/20/2026 | Evidence of eConsent is provided. | 04/21/2026 | C A B |
| 10220273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/15/2026 | C A B |
| 10220273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/15/2026 | C A B |
| 10250633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The file is missing the Mortgage Statement, Tax Statement, and Insurance Statement for the property located at XXX, The file is missing the Mortgage Statement, and tax Statement for the property located at XXX | Document Uploaded. | 04/20/2026 | Income and Employment Meet Guidelines; Evidence provided | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10250633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10250633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation | Document Uploaded. | 04/20/2026 | Revised LE receipt date; exception resolved ; Revised LE receipt date; exception resolved | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  |  | HPML compliant | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/20/2026 | Evidence of eConsent is provided. | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Borrower is XXX - per guidelines, please provide verification of the existence of the business by and independent disinterested third party. XXX) CPA, regulatory agency or applicable licensing bureau, a secretary of State listing reflecting current year registration, verification of internet listing, etc. | Document Uploaded. We have a recent bank Statement for the business which shows activity (over $XXX in deposits) please share the attachment thank you | 04/21/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided.; Evidence provided. | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Please provide fully executed deed of trust. | Document Uploaded. | 04/20/2026 | The Deed of Trust is Executed; Executed DOT provided | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM1207 | Credit | The Note is Not Executed | The Note is Not Executed Please provide fully execute note. | Document Uploaded. | 04/20/2026 | The Note is Executed; Executed note provided | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM1234 | Credit | The Final 1003 is Not Executed | The Final 1003 is Not Executed. Please provide fully executed Final 1003. | Document Uploaded. | 04/20/2026 | The Final 1003 is Executed; Executed 1003 provided | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220149 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10220289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130 required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery. The Lender credit decreased on the PCCD issued XX/XX/XXXX. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 04/22/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception, Homeownership Counseling Disclosure Is Missing | Document Uploaded. | 04/20/2026 | Homeownership Counseling Disclosure Is Present or XXX | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10220242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | 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 | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing Missing XXX months bank Statements to support income used for qualifying. | Document Uploaded. | 04/20/2026 | Borrower 1 Business Bank Statements Provided; Statements provided | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10161289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/20/2026 | Evidence of eConsent is provided. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10161289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10220186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.79% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.79% is less than Guideline LTV of 85% A |
| 10220186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | 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 | 04/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.79% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.79% is less than Guideline LTV of 85% A |
| 10220186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Acknowledged | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Document Uploaded. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.79% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.79% is less than Guideline LTV of 85% A |
| 10220186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Acknowledged | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | Document Uploaded. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.79% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.79% is less than Guideline LTV of 85% A |
| 10220193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-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) he funding date is before the third business day following consummation he 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. Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the ROR listed as XX/XX/XXXX. Cure package requires PCCD, LOE, new ROR providing XXX days right to cancel. | Document Uploaded. | 04/20/2026 | Received corrected funding date - exception resolved; Received corrected funding date - exception resolved | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.1% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.1% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | 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 XX/XX/XXXX 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 XXX business days prior to consummation on XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. | 04/20/2026 | Received Initial CD - exception resolved; Received Initial CD - exception resolved | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.1% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.1% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Guidelines, dated XX/XX/XXXX, require XXX months of reserves. Borrower did not supply the XXX Statement listed on the Final 1003. Borrower is short all reserves due to missing Statement. | Document Uploaded. | 04/21/2026 | The required number of months reserves are to be seasoned does meet Guideline requirement. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.1% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.1% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE1497 | Credit | ATR: XXX Income or Assets Not Considered | ATR: XXX Income or Assets Not Considered. ATR Risk: Missing XXX account Statement listed on Final 1003 to verify cash to close and reserves. | Document Uploaded. | 04/21/2026 | ATR: XXX Income or Assets Was Considered. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.1% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.1% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Missing XXX Statement listed on the Final 1003, therefore short XXX reserves required by guidelines dated XX/XX/XXXX. | Document Uploaded. | 04/21/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.1% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.1% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Missing XXX Statement listed on the Final 1003, therefore short XXX months reserves required by guidelines dated XX/XX/XXXX. | Document Uploaded. | 04/21/2026 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.1% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.1% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Missing bank Statement for XXX acct #XXX as listed on the Final 1003, as required by guidelines dated XX/XX/XXXX. File contains wire for cash to close from this account yet account Statement needed for fund verification and reserve requirement. | Document Uploaded. | 04/21/2026 | Asset Qualification Meets Guideline Requirements. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.1% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.1% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE1467 | Credit | Asset 1 Missing | Asset 1 Missing. Missing bank Statement for XXX account #XXX listed on the Final 1003. | Document Uploaded. | 04/21/2026 | Asset 1 Provided | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.1% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.1% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.1% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.1% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE2901 | Credit | Borrower 2 Non-XXX Identification Document Missing | Non XXX Borrower 2 is missing Identification Document. Missing residency documentation for Borrower 2. Borrower 2 is a Permanent Resident Alien and file is missing documentation per guidelines, dated XX/XX/XXXX (Permanent Resident Card or unexpired foreign passport). | Document Uploaded. | 04/21/2026 | Borrower 2 Identification Document provided.; Lender uploaded DL, and IRS Letter and Letter from Tax Preparer. | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 10220292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 10220292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. Loan has escrows and appraisal receipt is documented. |  |  | HPML compliant | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 10220292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/17/2026 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 10220080 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded.. |  |  | HPML compliant | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220080 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220080 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10250684 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational; ; Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10250684 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2026 | 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; ; Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10250684 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10109927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. There are XXX COC dated XX/XX/XXXX and XX/XX/XXXX with no corresponding LE/CD. In the file is LE dated XX/XX/XXXX, ICD XX/XX/XXXX and FCD XX/XX/XXXX. The COC in the file shows the date of change is XX/XX/XXXX which is not within XXX days of the disclosure provided. Please provide missing documentation and tolerance will be re-ran. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 04/23/2026 | CD dated within XXX days of the COC provided; exception resolved; CD dated within XXX days of the COC provided; exception resolved | 04/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.91% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.91% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10109927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Document Uploaded. | 04/23/2026 | Evidence of appraisal delivery provided. | 04/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.91% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.91% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10109927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/23/2026 | Evidence of eConsent is provided. | 04/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.91% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.91% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10109927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.91% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.91% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10109927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.91% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.91% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/23/2026 | Evidence of eConsent is provided. | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10250619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/23/2026 | Evidence of eConsent is provided. | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10250619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10250619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10220235 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220235 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10220235 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9986930 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | 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 | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.94% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.94% is less than Guideline LTV of 70% A |
| 9986930 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.94% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.94% is less than Guideline LTV of 70% A |
| 9986930 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.94% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.94% is less than Guideline LTV of 70% A |
| 10085027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Per Guidelines, missing Business Formation Documents filed with the applicable State, Verification of the XXX Identification using one of the following sources XXX EIN verification letter issued by the Irs, or XXX Completed IRS form W-XXX (Request for Taxpayer Identification Number and Certification). Missing verification of the borrower's ownership percentage which can be verified using one of the following: XXX Letter from CPA or licensed Tax preparer, XXX Operating Agreement, or XXX EIN Verification letter issued by the IRS. Missing Verification that the business is in good standing with the applicable State registration. | Document Uploaded. ; Missing: XXX) Business Formation Documents filed with the applicable State XXX) Verification of the XXX Identification (EIN) using one of the following sources: § EIN verification letter issued by the IRS, or § Completed IRS form W-XXX (Request for Taxpayer Identification Number and Certification) XXX) Verification of the borrower's ownership percentage with one of the following: § Letter from CPA or licensed tax preparer (with PTIN), or § Operating Agreement, or § EIN verification letter issued by the IRS confirming the borrower as sole owner/member XXX) Verification that that LLC is in good standing with the applicable State registration. | 02/05/2026 | Client uploaded Cert of Formation and IRS EIN evidence. Resolved. | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10085027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10085027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10088781 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | A |
| 10088781 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | A |
| 10088781 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | A |
| 10110035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX. | Document Uploaded. | 01/26/2026 | Evidence of appraisal delivery provided. | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.73% is less than Guideline LTV of 80% D A |
| 10110035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Resolved | FCOM1231 | Credit | The Initial 1003 is Missing | The Initial 1003 is Missing The file does not contain a copy of the initial 1003 | Document Uploaded. | 01/26/2026 | The Initial 1003 is Present; Initial 1003 provided. | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.73% is less than Guideline LTV of 80% D A |
| 10110035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The file is missing the initial LE dated XX/XX/XXXX which sets the baseline for fees. Provide the initial LE and any subsequent LE's so TRID testing can be completed. | Document Uploaded. | 01/26/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.73% is less than Guideline LTV of 80% D A |
| 10110035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | FCOM3957 | Compliance | TRID: Initial Loan Estimate not provided within XXX days of application | The loan file does not contain any LE's. Provide the loan estimate dated XX/XX/XXXX per the CE report and any additional LE's so TRID testing can be completed. | Document Uploaded. | 01/26/2026 | LE provided; exception resolved | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.73% is less than Guideline LTV of 80% D A |
| 10110035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.73% is less than Guideline LTV of 80% D A |
| 10139485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10139485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10158201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the processing fee. The change occurred on the CD issued XX/XX/XXXX without a valid COC. Although a COC was issued XX/XX/XXXX, a valid reason for the change was not provided. | Document Uploaded. LOX, PCCD, Copy of Check, Proof of Delivery. Thanks! -- XXX | 02/06/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 02/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10158201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation that the lender has no affiliates. | Document Uploaded. XXX disagrees with this finding. This is a correspondent loan that XXX XXXd from the Originator. It should be noted that an Affiliated Business Disclosure is only required to be provided to the borrower when an Affiliated relationship exists between the Lender and any third party involved in the transaction. In this case there isn't one. The client that originated this loan is XXX. There website is XXX. A review of their website shows that they do not have any affiliated relationships. In additional, at the time that XXX approves any correspondent to sell us loan. XXX does a full vetting of each company, including a review of their financials. Based on our vetting done on XXX, they do not have an affiliated relationship. A disclosure stating that they do not have any affiliated relationships is not required by the regulation. Below is the regulation directly from CFPB's website that proves that an Affiliate Relationship Disclosure is not required if there is no referral or the borrower is not required to use a specific provider. Therefore, this is an invalid finding. From Regulation X - § 1024.15 Affiliated business arrangements <br> The person making each referral has provided to each person whose business is referred a written disclosure, in the format of the Affiliated Business Arrangement Disclosure Statement set forth in appendix D of this part, of the nature of the relationship (explaining the ownership and financial interest) between the provider of settlement services (or business incident thereto) and the person making the referral and of an estimated charge or range of charges generally made by such provider (which describes the charge using the same terminology, as far as practical, as section L of the HUD-XXX settlement Statement). The disclosures must be provided on a separate piece of paper no later than the time of each referral or, if the lender requires use of a particular provider, the time of loan application. | 01/29/2026 | Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation that the lender has no affiliates. | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10158201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10158201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10107046 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Title Document is missing | Document Uploaded. XX/XX/XXXX - KJ: Please see attached. | 02/16/2026 | Title Document is fully Present.; Title Document is fully Present.; Title provided. ; Title Document is missing Title Document is missing | 06/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10107046 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Resolved | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Missing documentation for XXX installment monthly debt of $374.62 per month reflected on the final 1003. | It looks like there are recurring charges for $XXX that are coming from XX-XXXX. XXX is one of those everyday money apps known for the buy now, pay later motto. XXX will usually be cautious of deductions like this and include them. After taking another look, it looks like the underwriter hit for two charges per month ($XXX) but I am really only seeing one charge happening per month but it did reoccur for two months in a row for November and December. I don't necessarily agree with the $XXX, but I do agree that hitting the borrower for this payment was a conservative approach as they still qualify. If you need us to update, we can | 06/11/2026 | The lender's minimum tradeline requirements have not been met per guidelines. | 06/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10107046 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing XXX months verification of rent. VOR in file is from an individual and requires either XXX months canceled checks, front and back; or bank Statements reflecting rent payments and a signed lease agreement. |  |  | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Document Uploaded. ; Missing XXX months verification of rent. VOR in file is from an individual and requires either XXX months canceled checks, front and back; or bank Statements reflecting rent payments and a signed lease agreement. | 06/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10107046 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10107046 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10084938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Informational | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.23% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.23% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Informational | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.23% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.23% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.23% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.23% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Compliant |  |  | HPML compliant | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.23% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.23% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10110025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2026 | Resolved | FCRE1335 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing | Document Uploaded. | 06/09/2026 | Borrower 1 IRS Transcripts Provided.; Auditor Response: Lender uploaded Transcript. Condition Cleared. | 06/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10110025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2026 | Resolved | FCRE1365 | Credit | Borrower 2 IRS Transcripts Missing | Borrower 2 IRS Transcripts Missing | Document Uploaded. | 06/09/2026 | Borrower 2 IRS Transcripts Provided or XXX (Number of Borrowers equals XXX).; Auditor Response: Lender uploaded Transcripts. Condition Cleared. | 06/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10110025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | ; ; Informational | 05/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10110025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10110025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10110025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2026 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Per the Guidelines Rural properties are capped at XXX acres, the property contains XXX acres. Compensating Factors include: XXX months reserves greater than program requirement, Borrower contribution exceeds program requirement by >= XXX% FICO XXX points greater than program requirement, VOR/VPM XXX. Exception approved by XXX on XX/XX/XXXX. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10161155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Rescinded | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. XXX XXX account reflects an XXX deposit on XX/XX/XXXX from Sav XXX transfer on XX/XX/XXXX from Sav XXX XXX account XXX where the funds originated form list Borrower 1 as one of the account holders along with another person who is not a borrower on this loan. Guideline requires Non-Borrowing parties on the account (excluding a non-borrowing spouse) must provide a written Statement that the borrower has full access and use of the funds. If the deposits are backed out the borrowers does not have sufficient funds to closing cost and reserve requirements. Access letter is required to be obtained. | Document Uploaded. | 04/01/2026 | Per client rebuttal, "We can use these funds because they were transferred to a non-XXX account to be used for closing. We just can't use the XXX account as an active account for closing costs and reserves - Transferred funds are not required to be seasoned. This is industry standard. The remainder falls under the first finding." Rescinded | 04/02/2026 | D A B |
| 10161270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Rescinded | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX XXX account reflects an XXX deposit on XX/XX/XXXX from XXX transfer on XX/XX/XXXX from XXX XXX account XXX where the funds originated form list Borrower 1 as one of the account holders along with another person who is not a borrower on this loan. Guideline requires Non-Borrowing parties on the account (excluding a non-borrowing spouse) must provide a written Statement that the borrower has full access and use of the funds. If the deposits are backed out the borrowers does not have sufficient funds to closing cost and reserve requirements. Access letter is required to be obtained. | Document Uploaded. | 04/01/2026 | Per client rebuttal, "We can use these funds because they were transferred to a non-XXX account to be used for closing. We just can't use the XXX account as an active account for closing costs and reserves - Transferred funds are not required to be seasoned. This is industry standard. The remainder falls under the first finding." Rescinded | 04/02/2026 | D A B |
| 10161270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Rescinded | FCRE1219 | Credit | Borrower signed as a Type of Party Not Allowed by the Loan Program | Both borrowers are non-permanent resident alien. Lender guidelines requires a Valid Social Security number and employment authorization or VISA. The borrowers have ITIN instead of social security numbers. File contains State IDs for both borrowers pages XXX-XXX. VISA is not required for an ITIN, however per lender guidelines ITIN is eligible with the Select ITIN Program only. The borrowers were approved under the XXX program instead of the Select ITIN program. | Document Uploaded. | 04/01/2026 | Client rebuttal provided. Rescinded. | 04/02/2026 | D A B |
| 10161270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. Loan was approved with XXX guidelines which requires wage earners to be qualified with paystubs, W2s or an electronic verification of employment. The guideline does not allow written verification of employment. Both Borrower 1 and XXX were qualified based on WVOE for previous years earnings. Prior years W2s should have been obtained. | Document Uploaded. | 03/26/2026 | Borrower 1 W2/XXX Provided; Sufficient evidence provided. | 03/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% D A |
| 10161270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FCRE1358 | Credit | Borrower 2 W2/1099 Missing | Borrower 2 W2/1099 Missing. Loan was approved with XXX guidelines which requires wage earners to be qualified with paystubs, W2s or an electronic verification of employment. The guideline does not allow written verification of employment. Both Borrower 1 and XXX were qualified based on WVOE for previous years earnings. Prior years W2s should have been obtained. | Document Uploaded. | 03/26/2026 | Borrower 2 W2/XXX Provided or XXX (Number of Borrowers equals XXX) | 03/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% D A |
| 10161270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 03/26/2026 | Evidence of eConsent is provided. | 03/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% D A |
| 10161270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | 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 | 03/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% D A |
| 10161119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |

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## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.5 - Schedule 2**

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| | | |
|:---|:---|:---|
| **MSID** | **Loan ID** | **Original Loan Amount** |
| 9857434 | XXXXX | $XXXXXX A |
| 9857437 | XXXXX | $XXXXXX A C |
| 9980449 | XXXXX | $XXXXXX C A |
| 10007063 | XXXXX | $XXXXXX A |
| 10029111 | XXXXX | $XXXXXX D A C |
| 10047539 | XXXXX | $XXXXXX A |
| 10083402 | XXXXX | $XXXXXX B C A |
| 10084698 | XXXXX | $XXXXXX A |
| 10084778 | XXXXX | $XXXXXX A C B |
| 10084958 | XXXXX | $XXXXXX A |
| 10084960 | XXXXX | $XXXXXX D A |
| 10084967 | XXXXX | $XXXXXX A |
| 10084993 | XXXXX | $XXXXXX C A |
| 10085000 | XXXXX | $XXXXXX D B A |
| 10086298 | XXXXX | $XXXXXX D C A |
| 10088573 | XXXXX | $XXXXXX C A |
| 10088792 | XXXXX | $XXXXXX A B |
| 10089136 | XXXXX | $XXXXXX A |
| 10099464 | XXXXX | $XXXXXX A |
| 10099466 | XXXXX | $XXXXXX A |
| 10099484 | XXXXX | $XXXXXX A |
| 10099489 | XXXXX | $XXXXXX D C A |
| 10100934 | XXXXX | $XXXXXX A |
| 10106088 | XXXXX | $XXXXXX D C A |
| 10107800 | XXXXX | $XXXXXX A C |
| 10109927 | XXXXX | $XXXXXX A C |
| 10109952 | XXXXX | $XXXXXX D B A |
| 10109976 | XXXXX | $XXXXXX B A |
| 10109980 | XXXXX | $XXXXXX A B |
| 10110002 | XXXXX | $XXXXXX D A |
| 10110005 | XXXXX | $XXXXXX A B |
| 10110052 | XXXXX | $XXXXXX B A |
| 10110063 | XXXXX | $XXXXXX A |
| 10110070 | XXXXX | $XXXXXX A C |
| 10110087 | XXXXX | $XXXXXX C B A |
| 10111717 | XXXXX | $XXXXXX D A |
| 10139402 | XXXXX | $XXXXXX C A |
| 10139403 | XXXXX | $XXXXXX D A |
| 10139405 | XXXXX | $XXXXXX A |
| 10139406 | XXXXX | $XXXXXX A |
| 10139407 | XXXXX | $XXXXXX A |
| 10139410 | XXXXX | $XXXXXX A |
| 10139411 | XXXXX | $XXXXXX A C |
| 10139412 | XXXXX | $XXXXXX A |
| 10139413 | XXXXX | $XXXXXX A C B |
| 10139416 | XXXXX | $XXXXXX A |
| 10139418 | XXXXX | $XXXXXX D A |
| 10139424 | XXXXX | $XXXXXX A |
| 10139426 | XXXXX | $XXXXXX D A |
| 10139427 | XXXXX | $XXXXXX C A B |
| 10139438 | XXXXX | $XXXXXX A |
| 10139444 | XXXXX | $XXXXXX A |
| 10139445 | XXXXX | $XXXXXX A |
| 10139461 | XXXXX | $XXXXXX C A |
| 10139463 | XXXXX | $XXXXXX A |
| 10139465 | XXXXX | $XXXXXX A C |
| 10139481 | XXXXX | $XXXXXX A |
| 10139482 | XXXXX | $XXXXXX A |
| 10139491 | XXXXX | $XXXXXX A |
| 10139501 | XXXXX | $XXXXXX A B |
| 10139509 | XXXXX | $XXXXXX D B A |
| 10139510 | XXXXX | $XXXXXX A |
| 10139515 | XXXXX | $XXXXXX A |
| 10139521 | XXXXX | $XXXXXX A C |
| 10139540 | XXXXX | $XXXXXX A |
| 10139542 | XXXXX | $XXXXXX A |
| 10139543 | XXXXX | $XXXXXX A C B |
| 10139552 | XXXXX | $XXXXXX A C |
| 10161125 | XXXXX | $XXXXXX B A |
| 10161133 | XXXXX | $XXXXXX A B |
| 10161138 | XXXXX | $XXXXXX A |
| 10161139 | XXXXX | $XXXXXX A |
| 10161152 | XXXXX | $XXXXXX A B |
| 10161160 | XXXXX | $XXXXXX A |
| 10161162 | XXXXX | $XXXXXX A |
| 10161171 | XXXXX | $XXXXXX D A |
| 10161237 | XXXXX | $XXXXXX A |
| 10161239 | XXXXX | $XXXXXX D C A B |
| 10161240 | XXXXX | $XXXXXX A C |
| 10161267 | XXXXX | $XXXXXX A B |
| 10161282 | XXXXX | $XXXXXX A B |
| 10161285 | XXXXX | $XXXXXX A B |
| 10161286 | XXXXX | $XXXXXX A B |
| 10161289 | XXXXX | $XXXXXX D B A |
| 10179350 | XXXXX | $XXXXXX C A |
| 10179355 | XXXXX | $XXXXXX A C |
| 10179437 | XXXXX | $XXXXXX D A |
| 10179446 | XXXXX | $XXXXXX A C |
| 10179448 | XXXXX | $XXXXXX A |
| 10179449 | XXXXX | $XXXXXX A |
| 10179510 | XXXXX | $XXXXXX C A |
| 10179522 | XXXXX | $XXXXXX A |
| 10179543 | XXXXX | $XXXXXX A |
| 10220072 | XXXXX | $XXXXXX A D |
| 10220073 | XXXXX | $XXXXXX A B |
| 10220080 | XXXXX | $XXXXXX A |
| 10220117 | XXXXX | $XXXXXX D A |
| 10220118 | XXXXX | $XXXXXX A C B |
| 10220120 | XXXXX | $XXXXXX C B A |
| 10220141 | XXXXX | $XXXXXX A C |
| 10220149 | XXXXX | $XXXXXX D A |
| 10220185 | XXXXX | $XXXXXX A |
| 10220186 | XXXXX | $XXXXXX A |
| 10220187 | XXXXX | $XXXXXX D A |
| 10220190 | XXXXX | $XXXXXX A C |
| 10220191 | XXXXX | $XXXXXX C A |
| 10220193 | XXXXX | $XXXXXX D C A |
| 10220201 | XXXXX | $XXXXXX A D |
| 10220205 | XXXXX | $XXXXXX A C |
| 10220213 | XXXXX | $XXXXXX A |
| 10220225 | XXXXX | $XXXXXX A |
| 10220235 | XXXXX | $XXXXXX A |
| 10220242 | XXXXX | $XXXXXX A |
| 10220260 | XXXXX | $XXXXXX A B C |
| 10220264 | XXXXX | $XXXXXX A |
| 10220271 | XXXXX | $XXXXXX A |
| 10220273 | XXXXX | $XXXXXX C B A |
| 10220289 | XXXXX | $XXXXXX A C B |
| 10220291 | XXXXX | $XXXXXX A |
| 10220292 | XXXXX | $XXXXXX D A |
| 10220293 | XXXXX | $XXXXXX D C A |
| 10220297 | XXXXX | $XXXXXX A |
| 10220302 | XXXXX | $XXXXXX D A |
| 10220306 | XXXXX | $XXXXXX A C |
| 10220308 | XXXXX | $XXXXXX D A |
| 10220315 | XXXXX | $XXXXXX A B |
| 10250596 | XXXXX | $XXXXXX A B |
| 10250613 | XXXXX | $XXXXXX A |
| 10250619 | XXXXX | $XXXXXX A B |
| 10250633 | XXXXX | $XXXXXX C A |
| 10250684 | XXXXX | $XXXXXX A |
| 9986930 | XXXXX | $XXXXXX A |
| 10085027 | XXXXX | $XXXXXX D A |
| 10088781 | XXXXX | $XXXXXX A |
| 10110035 | XXXXX | $XXXXXX D C A |
| 10139485 | XXXXX | $XXXXXX A |
| 10158201 | XXXXX | $XXXXXX A C B |
| 10107046 | XXXXX | $XXXXXX D A |
| 10084938 | XXXXX | $XXXXXX A |
| 10110025 | XXXXX | $XXXXXX D A B |
| 10161155 | XXXXX | $XXXXXX A |
| 10161270 | XXXXX | $XXXXXX D B A |
| 10161119 | XXXXX | $XXXXXX A |

---

## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.5 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **MSID** | **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** |
| 9857434 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 9857437 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0493 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0493 | 85.0 | 0.15 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 9980449 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 48.0 | 48.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.44 | 59.44 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Zero | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | -.0845 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0845 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 999 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.56 | 55.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.91 | 52.91 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0657 | 86.0 | 0.14 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0078 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0078 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0421 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0421 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 88.76 | 88.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 56.95 | 56.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.92 | 45.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.67 | 66.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.04 | 67.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.11 | 37.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.28 | 63.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 88.92 | 88.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.12 | 62.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.24 | 63.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.78 | 62.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.15 | 61.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0390 | 85.0 | 0.15 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 78.92 | 78.92 | $XXX | $XXX | -.0694 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0694 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.92 | 41.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.93 | 79.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0699 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0699 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.99 | 79.99 | $XXX | $XXX | -.0943 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0943 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | -.0537 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0537 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | -.0908 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0908 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.72 | 51.72 | $XXX | $XXX | -.1677 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1677 | 77.0 | 0.23 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0004 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0004 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.1654 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1654 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.4 | 69.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.63 | 84.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Zero | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.71 | 59.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.36 | 63.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0086 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .2173 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .2173 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0717 | 85.0 | 0.15 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0675 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0675 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.76 | 78.76 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0079 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.0 | 78.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0410 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0410 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.57 | 67.57 | $XXX | $XXX | -.0106 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0106 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.45 | 63.45 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | -.0304 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0304 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.91 | 79.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0505 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0505 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.1 | 47.1 | $XXX | $XXX | -.0389 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0389 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.9 | 74.9 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1056 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | -.0239 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0239 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.53 | 46.53 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0439 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0439 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.97 | 57.97 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0495 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0495 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.75 | 51.75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0409 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 72.34 | 72.34 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0043 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0043 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.46 | 46.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.9 | 78.9 | $XXX | $XXX | -.0342 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0342 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.1773 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1773 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.17 | 56.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0239 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0239 | 85.0 | 0.15 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.1660 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1660 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.2970 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.2970 | 81.0 | 0.19 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.75 | 58.75 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0223 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.73 | 79.73 | $XXX | $XXX | -.0135 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0135 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.9 | 79.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0787 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0787 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.3135 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.3135 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0460 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0460 | 77.0 | 0.23 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 9986930 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.94 | 52.94 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 73.53 | 73.53 | $XXX | $XXX | -.0392 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0392 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.97 | 68.97 | $XXX | $XXX | -.0517 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0517 | XXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 69.73 | 69.73 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.9 | 79.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 78.83 | 78.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1.8 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 71.23 | 71.23 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 1E+07 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| ######## | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.92 | 79.92 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |

---

## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.5 - Schedule 4**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **MSID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 9857434 | XXXXX | MIN No | XXX | XXX | Confirmed, same without dashes. |
| 9857434 | XXXXX | Number of Units | XXX | XXX | Confirmed on appraisal, XXX |
| 9857434 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Confirmed after verification of income and PITI of subject, rent on XXX debts on credit report and verified debt of XXX and primary residence. |
| 9857437 | XXXXX | Property Value | $XXX | $XXX | Using XXX price as XXX since it is lower than the appraised value |
| 9857437 | XXXXX | ULI | XXX | XXX | Per Final 1003 |
| 9857437 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 9857437 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 9980449 | XXXXX | Sales Price | $XXX | $XXX | XXX confirmed using final closing disclosure. |
| 10007063 | XXXXX | Sales Price | $XXX | $XXX | Verified XXX using sales contract |
| 10007063 | XXXXX | Property Type | XXX | XXX | Verified type using the appraisal |
| 10047539 | XXXXX | Sales Price | $XXX | $XXX | per docs |
| 10047539 | XXXXX | Qualifying CLTV | XXX | XXX | Per docs |
| 10047539 | XXXXX | Property Type | XXX | XXX | Per docs |
| 10083402 | XXXXX | Seller Name | XXX | XXX | Seller is XXX |
| 10083402 | XXXXX | Qualifying FICO | XXX | XXX | Per credit report the qualifying credit score is XXX Neither Borrower 1 or Borrower 2 have a credit score of XXX |
| 10084698 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 10084698 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines. |
| 10084778 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | This is how the borrower signed his name on the Note. |
| 10084778 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 10084778 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines. |
| 10084778 | XXXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | . |
| 10084958 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 10084958 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines. |
| 10084960 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 10084960 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 10084967 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | Per note |
| 10084967 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 10084967 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Per employment data |
| 10084967 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 10084993 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | Updated per note |
| 10084993 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Updated per lender approval type |
| 10084993 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Updated per liabilities. DTI still qualifies - total debt figure is slightly more in credit review. |
| 10084993 | XXXXX | Loan Product Type | XXX | XXX | Updated per note |
| 10085000 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 10085000 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Non QM, per Loan Approval. |
| 10086298 | XXXXX | Sales Price | $XXX | $XXX | True data matches XXX and sale agreement |
| 10088573 | XXXXX | Seller Name | XXX | XXX | Verified per Note. |
| 10088573 | XXXXX | Sales Price | $XXX | $XXX | Verified per Closing Disclosure. |
| 10088573 | XXXXX | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Verified per Rate Lock. |
| 10088792 | XXXXX | Seller Name | XXX | XXX | Per docs |
| 10088792 | XXXXX | Sales Price | $XXX | $XXX | Per docs |
| 10088792 | XXXXX | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Per lock |
| 10089136 | XXXXX | Seller Name | XXX | XXX | XXX |
| 10089136 | XXXXX | Qualifying FICO | XXX | XXX | Page XXX per credit report and AUS, XXX is the qualification score |
| 10089136 | XXXXX | Sales Price | $XXX | $XXX | XXX is XXX appraised value is XXX Using XXX price as value |
| 10099464 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 10099466 | XXXXX | Property Type | XXX | XXX | XXX unit property |
| 10100934 | XXXXX | Seller Name | XXX | XXX | Verified XXX using guideline matrix |
| 10100934 | XXXXX | Sales Price | $XXX | $XXX | Verified XXX using sales contract |
| 10106088 | XXXXX | Seller Name | XXX | XXX | Verified XXX using guideline matrix |
| 10106088 | XXXXX | Sales Price | $XXX | $XXX | Verified XXX using sale contract |
| 10109927 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 10109927 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 10109952 | XXXXX | Property Value | $XXX | $XXX | The XXX report dated XXX valued the property. |
| 10109952 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 10109952 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX |  |
| 10109976 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Audit data is taken from the initial loan application. |
| 10109976 | XXXXX | ULI | XXX | XXX | Audit ULI is confirmed from the final loan application. |
| 10109976 | XXXXX | Property Value | $XXX | $XXX | Audit value is the appraisal value. The tape value is the XXX. |
| 10109976 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Audit Reserves are confirmed from the bank Statements in file. |
| 10109976 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Audit residual income is calculated by taking the total income minus the total liabilities. |
| 10109980 | XXXXX | Property Value | $XXX | $XXX | Audit value is the appraisal value. The tape value is the XXX. |
| 10109980 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Audit reserves are confirmed from the asset Statements in file. |
| 10109980 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Audit residual income is calculated by taking the total income minus the total liabilities. |
| 10110002 | XXXXX | Property Value | $XXX | $XXX | Verified with the XXX Disclosed appraisal value, the lower XXX price used to qualify. |
| 10110002 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements. |
| 10110002 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with the income and liabilities. |
| 10110005 | XXXXX | Property Value | $XXX | $XXX | Confirmed, verified on appraisal. XXX is the XXX price. |
| 10110005 | XXXXX | Property Type | XXX | XXX |  |
| 10110005 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed after verified funds and funds to close. |
| 10110005 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Confirmed after PITIA and all debts disclosed. |
| 10110052 | XXXXX | MIN No | XXX | XXX | Verified with the Security Instrument. |
| 10110052 | XXXXX | Property Value | $XXX | $XXX | Verified with the appraisal, the lower XXX price used to qualify. |
| 10110052 | XXXXX | Verified Doc Type | XXX | XXX | Verified with the Provided Statements and the income calculator. |
| 10110052 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with the income and liabilities. |
| 10110063 | XXXXX | MIN No | XXX | XXX | confirmed Min with Deed |
| 10110063 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | confirmed initial a 1003 date |
| 10110063 | XXXXX | Property Value | $XXX | $XXX | mapping issue |
| 10110063 | XXXXX | ULI | XXX | XXX | confirmed ULI |
| 10110063 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | confirmed reserves with provided assets |
| 10110063 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | confirmed residual income |
| 10110070 | XXXXX | Qualifying FICO | XXX | XXX | Verified with the Credit report Middle score of only Borrower XXX |
| 10110070 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements. |
| 10110070 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with the Income and liabilities |
| 10110087 | XXXXX | ULI | XXX | XXX | Confirmed on Final 1003 in file. |
| 10110087 | XXXXX | Property Value | $XXX | $XXX | Confirmed value on appraisal, tape is XXX price. |
| 10110087 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed after verified assets in file and total cost of subject transaction. |
| 10110087 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Confirmed after total PITIA for subject and debts reflected on credit report. |
| 10111717 | XXXXX | Sales Price | $XXX | $XXX | Per docs |
| 10139403 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed XXX% DTI due to Audit's use of the most recent consecutive XXX months Bank Statements in file per guideline requirement resulting in a XXX lower income calculation and a XXX lower net negative rental of XXX than Lender use of XXX for a Total Lender approval DTI of XXX%. |
| 10139412 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | DTI discrepancy due to Documented Total Other Monthly Debt Amount of $XXX. The lender used XXX as the lender did not include a payment for the XXX. |
| 10139426 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Used auditor income base on the bank Statement as it was less than the lenders Lender used borrower ownership percentage as XXX% but the CPA letter says he is XXX% XXX. Auditor used XXX% |
| 10139427 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in rental income loss for current residence. AUS has a loss of XXX which is the P&I for curr res mortgage billing stmt in file. XXX States loss if $XXX. Loan has been cited for missing verification of mortgage history to confirm the XXX used to generate the XXX% found on Final XXX |
| 10139438 | XXXXX | Loan Purpose | XXX | XXX | XXX as per Final 1003 XXX File, supported by the executed XXX agreement. |
| 10139445 | XXXXX | Loan Purpose | XXX | XXX | Updated XXX Per 1003 and final CD. |
| 10139463 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Slight DTI variance; within tolerance |
| 10139481 | XXXXX | Loan Purpose | XXX | XXX | Verified by the CD |
| 10139491 | XXXXX | Loan Purpose | XXX | XXX | Loan is XXX transaction |
| 10139509 | XXXXX | Loan Purpose | XXX | XXX | XXX as XXX confirmed with 1003/XXX and contract |
| 10139509 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Lender uses XXX on XXX as HOA dues and did not include XXX HOI premium. Subject is not in a PUD and there is no documentation to support XXX fees. This resulted in a small DTI discrepancy |
| 10139510 | XXXXX | Loan Purpose | XXX | XXX | Per 1003 and XXX |
| 10139521 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit calculated rent loss higher than Lender's calculations resulting in higher DTI |
| 10139540 | XXXXX | Loan Purpose | XXX | XXX | Updated XXX per the final CD. |
| 10161125 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements. |
| 10161125 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with the income and liabilities. |
| 10161133 | XXXXX | Property Value | $XXX | $XXX | Appraisal XXX and Prior Sale/Transfer Property Valuation XXX |
| 10161133 | XXXXX | Qualifying CLTV | XXX | XXX | Manual calculation of CLTV: XXX ÷ Appraised Value or Sale Price XXX × XXX = XXX%. However the tape data shows CLTV as XXX% |
| 10161133 | XXXXX | Qualifying LTV | XXX | XXX | Manual calculation of LTV: XXX ÷ Appraised Value or Sale Price XXX × XXX = XXX%. However the tape data shows LTV as XXX% |
| 10161133 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | DTI XXX% → No residual income requirement. Confirmed with Lender Guideline and True Date show LM Auto Calculated XXX |
| 10161138 | XXXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 10161138 | XXXXX | Property Value | $XXX | $XXX | Verified to appraised value vs XXX price |
| 10161138 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Based on verified income and total debts |
| 10161139 | XXXXX | Property Value | $XXX | $XXX | XXX is XXX per appraisal report |
| 10161139 | XXXXX | Qualifying CLTV | XXX | XXX | CLTV calculated as $XXX/ XXX = XXX% which matches the XXX |
| 10161139 | XXXXX | Qualifying LTV | XXX | XXX | LTV calculated as $XXX/ XXX = XXX% which matches the XXX |
| 10161139 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Residual income calculated as $ XXX |
| 10161152 | XXXXX | Property County | XXX | XXX | Per Mortgage |
| 10161152 | XXXXX | Qualifying FICO | XXX | XXX | Per Credit Report/Loan approval |
| 10161152 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 10161160 | XXXXX | Property Value | $XXX | $XXX | Confirmed with Appraisal p.XXX |
| 10161160 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves Confirmed with Statements on file |
| 10161160 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Residual income not required as per guideline DTI is less than XXX% |
| 10161162 | XXXXX | Property County | XXX | XXX | Per Mortgage |
| 10161162 | XXXXX | MIN No | XXX | XXX | Per Note |
| 10161162 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 10161171 | XXXXX | Property Value | $XXX | $XXX | Confirmed on appraisal, tape is XXX price. |
| 10161171 | XXXXX | MIN No | XXX | XXX | Confirmed on Mortgage in file. |
| 10161171 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Confirmed, unbale to calculate audit business income due to missing XXX months bank Statements. |
| 10161237 | XXXXX | ULI | XXX | XXX | Verified with the Final 1003 |
| 10161237 | XXXXX | Property Value | $XXX | $XXX | Verified with the appraisal, the lower XXX price used to qualify. |
| 10161237 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the initial 1003 |
| 10161237 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements. |
| 10161237 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with the income and liabilities. |
| 10161239 | XXXXX | MIN No | XXX | XXX | Min Audited to DOT |
| 10161239 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | audit reserves post closing XX/XX/XXXX |
| 10161239 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | residual is XXX also match XXX |
| 10161240 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 10161267 | XXXXX | Verified Doc Type | XXX | XXX | Per Lock |
| 10161267 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assetss |
| 10161267 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 10161282 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed on verified assets after funds to close. |
| 10161282 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Confirmed after debts reflected on credit report and PITIA of the subject. |
| 10161285 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the cash out. |
| 10161285 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with the income and liabilities. |
| 10161286 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 10161286 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 10161289 | XXXXX | Property Value | $XXX | $XXX | Verified per Appraisal. |
| 10161289 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified if required per Lender guides and compared it to the Note (XXX) and applicable assets available. |
| 10161289 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified per Lender guidelines and checked against Final 1003 (dependents), qualifying XXX DTI ratio (> XXX%) and Compliance Report for HPML status. |
| 10179350 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Documentation in the loan file confirms the XXX of XX/XX/XXXX. (LE) |
| 10179350 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Documentation int he file supports Non-QM. |
| 10179350 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Auditor calc of second home was based on the mortgage Statements in the file. Originators calc appears to be based on the credit report balances, creating a minimal difference in the DTI |
| 10179355 | XXXXX | Borrower 1 Last Name | XXXXX | XXXXX | per Note. |
| 10179355 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Non QM, per Loan Approval. |
| 10179355 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% DTI per audit review. Variance in the consumer debt - XXX payment per credit report is XXX XXX payment per Final 1003/XXX is XXX |
| 10179437 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 10179437 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 10179437 | XXXXX | Loan Product Type | XXX | XXX | Per Note |
| 10179446 | XXXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 10179446 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 10179446 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Non QM, per Loan Approval. |
| 10179448 | XXXXX | Credit QM/ATR Designation | XXX | XXX |  |
| 10179449 | XXXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the Signature date. |
| 10179449 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the initial 1003. |
| 10179449 | XXXXX | Credit QM/ATR Designation | XXX | XXX | System Options. |
| 10179510 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 10179510 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines. |
| 10179510 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. |
| 10179522 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Updated per liabilities |
| 10179522 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Updated per income type |
| 10179543 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Updated per income type |
| 10179543 | XXXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Updated per final CD - compliance |
| 10220072 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Assets updated as per asset document |
| 10220072 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Qualifying borrower residual income calculated after the borrower expenses deducted |
| 10220073 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified per guidelines and compared against the DTI ratio and HPML status to determine if requirements are applicable. |
| 10220080 | XXXXX | Property County | XXX | XXX | Verified to Deed |
| 10220080 | XXXXX | MIN No | XXX | XXX | Verified to Deed |
| 10220080 | XXXXX | Property Value | $XXX | $XXX | Verified to appraised value vs XXX price |
| 10220080 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified to initial 1003 |
| 10220080 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Based on verified income and total debts |
| 10220117 | XXXXX | MIN No | XXX | XXX | Verified with the Security Instrument. |
| 10220117 | XXXXX | Verified Doc Type | XXX | XXX | Verified with the Income documents and income calculator. |
| 10220117 | XXXXX | Loan Product Type | XXX | XXX | Verified with the Note. |
| 10220117 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with the income and liabilities. |
| 10220118 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements |
| 10220118 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with the income and liabilities. |
| 10220120 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Cash to close is being used for reserves |
| 10220120 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Correct calculated residual income is XXX |
| 10220141 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Pg.XXX 1003 initial date XX/XX/XXXX |
| 10220141 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Not required DTI |
| 10220149 | XXXXX | Property Type | XXX | XXX |  |
| 10220149 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Auditor verified all assets and funds needed for closing and reserves. |
| 10220149 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Auditor verified all income and monthly expenses with borrowers residual income validated XXX-XXX=XXX |
| 10220185 | XXXXX | Property Value | $XXX | $XXX | Tape value is XXX price |
| 10220185 | XXXXX | Property Type | XXX | XXX |  |
| 10220185 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per verified assets |
| 10220185 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per verified income |
| 10220186 | XXXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Per note and deed XX/XX/XXXX |
| 10220186 | XXXXX | Term | XXX | XXX | Final Note p.XXX shows XXX |
| 10220186 | XXXXX | Property Value | $XXX | $XXX |  |
| 10220186 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial 1003 p.XXX |
| 10220186 | XXXXX | Qualifying LTV | XXX | XXX |  |
| 10220186 | XXXXX | Qualifying CLTV | XXX | XXX |  |
| 10220186 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets Statement on file |
| 10220186 | XXXXX | Loan Product Type | XXX | XXX | Note p.XXX and Deed confirm XXX Year |
| 10220186 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Required minimum XXX when DTI between XXX-XXX% |
| 10220187 | XXXXX | ULI | XXX | XXX | Updated as per Final 1003 |
| 10220187 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified XXX from Note and lender guidelines. |
| 10220187 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified from lender guidelines and compared to BE DTI ratio and compliance report for HPML status. |
| 10220190 | XXXXX | MIN No | XXX | XXX | Updated as per Mortgage Document |
| 10220190 | XXXXX | Property Value | $XXX | $XXX | Updated as per Appraisal |
| 10220190 | XXXXX | Qualifying LTV | XXX | XXX | LTV 79.91% Roundingoff |
| 10220190 | XXXXX | Qualifying CLTV | XXX | XXX | CLTV 79.91% Roundingoff |
| 10220190 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Updated as per Income |
| 10220191 | XXXXX | Property Value | $XXX | $XXX | Confirmed with Appraisal |
| 10220191 | XXXXX | ULI | XXX | XXX | Confirmed with Final 1003 |
| 10220191 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with Asset document, Final 1003 and Guideline |
| 10220191 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Confirmed with guideline DTI less than XXX% hence not used residual income |
| 10220193 | XXXXX | MIN No | XXX | XXX | Per Note |
| 10220193 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per Final 1003 assets |
| 10220193 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 10220201 | XXXXX | MIN No | XXX | XXX | Verified with the Security Instrument. |
| 10220201 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements. |
| 10220201 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with the income and liabilities. |
| 10220205 | XXXXX | Property Value | $XXX | $XXX | PER APPRSL, XXX VALUE |
| 10220205 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | XXX REQUIRE XXX RESERVES; HOWEVER, APPROVAL IN FILE LIST XXX MONTHS, AND A REDUCTION OF XXX MONTHS OF RESERVES WAS USED |
| 10220205 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | XXX RESIDUAL INCOME USED FOR XXX PERSON FAMILY |
| 10220213 | XXXXX | ULI | XXX | XXX | Per the 1003 |
| 10220213 | XXXXX | Qualifying FICO | XXX | XXX | Per the credit report in file dated XX/XX/XXXX |
| 10220213 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | XX/XX/XXXX verified |
| 10220213 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Residual income calculated=$XXX |
| 10220225 | XXXXX | ULI | XXX | XXX | Entered as Per 1003. |
| 10220225 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed assets with asset documents. |
| 10220225 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Confirmed income with bank Statements. |
| 10220235 | XXXXX | Number of Units | XXX | XXX | Property is a single family home with accessory unit as guest home (no bedroom or stove in the guest house) Appraisal is Uniform Appraisal report |
| 10220235 | XXXXX | Prepayment Penalty Flag | XXX | XXX | Confirmed Prepayment Penalties Addendum was provided. |
| 10220235 | XXXXX | Qualifying Total Housing Expense PITIA | XXX | XXX | Confirmed PITI is XXX |
| 10220242 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements. |
| 10220242 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with income and liabilities. |
| 10220260 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX |  |
| 10220264 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves updated as per Matrix |
| 10220264 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Qualifying borrower residual income calculated after the borrower expenses deducted |
| 10220271 | XXXXX | Property Value | $XXX | $XXX | The XXX has a appraisal Value of XXX the provided appraisal and desk review value is XXX |
| 10220271 | XXXXX | Qualifying LTV | XXX | XXX | The XXX has a appraisal Value of XXX the provided appraisal and desk review value is XXX |
| 10220271 | XXXXX | Qualifying CLTV | XXX | XXX | The XXX has a appraisal Value of XXX the provided appraisal and desk review value is XXX |
| 10220271 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent assets. |
| 10220271 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with the income and liabilities. |
| 10220273 | XXXXX | Qualifying FICO | XXX | XXX | The lowest middle score of all three borrowers is XXX |
| 10220273 | XXXXX | Property Type | XXX | XXX |  |
| 10220273 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | The post closing assets equal XXX months reserves. |
| 10220273 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | There is no guideline residual income requirement. |
| 10220289 | XXXXX | Property Value | $XXX | $XXX | Verified with the appraisal, the lower XXX price used to qualify. |
| 10220289 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the initial 1003. |
| 10220289 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statement. |
| 10220289 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with the income and liabilities. |
| 10220291 | XXXXX | MIN No | XXX | XXX | Per Note |
| 10220291 | XXXXX | ULI | XXX | XXX | Per 1003 |
| 10220291 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 10220291 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 10220291 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 10220292 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 10220293 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Updated as Per Assets. |
| 10220293 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Residual Income Updated as Per Guidelines. |
| 10220297 | XXXXX | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 10220297 | XXXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 10220297 | XXXXX | MIN No | XXX | XXX | Per Note |
| 10220297 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 10220302 | XXXXX | ULI | XXX | XXX | Verified with the Final 1003 |
| 10220302 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the initial 1003 |
| 10220302 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements and cash out. |
| 10220302 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with the income and liabilities. |
| 10220306 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified by Assets in file |
| 10220306 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Residual Income verified with Bank Statements |
| 10220308 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | XXX updated as per guidelines. |
| 10220308 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | XXX updated as per guideline. |
| 10220315 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 10220315 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 10250596 | XXXXX | Property Value | $XXX | $XXX | Verified per the subject property appraisal. Disclosed as XXX |
| 10250596 | XXXXX | Property Type | XXX | XXX | The subject property appraisal disclosed the subject property is a XXX. |
| 10250596 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified per asset documentation and per final CD. |
| 10250596 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified per the asset documents and the final CD in the loan file. |
| 10250613 | XXXXX | MIN No | XXX | XXX | . |
| 10250613 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the 1003 the XXX is XX/XX/XXXX |
| 10250613 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Residual Income verified is XXX |
| 10250619 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per CD |
| 10250619 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 10250633 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statement. |
| 10250633 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with the income and liabilities. |
| 10250684 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial 1003 pg.XXX |
| 10250684 | XXXXX | ULI | XXX | XXX | 1003 pg.XXX |
| 10250684 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets on file |
| 10250684 | XXXXX | Qualifying All Borrower Residual Income | $XXX | $XXX | Residual not required DTI |
| 9986930 | XXXXX | Sales Price | $XXX | $XXX | The subject is a cash out XXX. There is no XXX |
| 10085027 | XXXXX | Sales Price | $XXX | $XXX | XXX transaction |
| 10085027 | XXXXX | Property Type | XXX | XXX | Per appraisal |
| 10088781 | XXXXX | Sales Price | $XXX | $XXX | XXX file. |
| 10110035 | XXXXX | Qualifying FICO | XXX | XXX | Verified with the Credit report. |
| 10158201 | XXXXX | Loan Amount | $XXX | $XXX | Verified XXX using the Note |
| 10107046 | XXXXX | Sales Price | $XXX | $XXX | Verified XXX using sales contract |
| 10084938 | XXXXX | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines. |
| 10161155 | XXXXX | Property Value | $XXX | $XXX | Confirmed on appraisal in file. XXX is XXX price. |
| 10161155 | XXXXX | Qualifying FICO | XXX | XXX | Confirmed on credit report in file. |
| 10161270 | XXXXX | Property Type | XXX | XXX | Per Appraisal report the subject is located in a PUD |
| 10161119 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 10161119 | XXXXX | Originator Doc Type | XXX | XXX | Per Loan Approval |

---

## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.5 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **MSID** | **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 9857434 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | No | 56 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 9857437 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 64 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 9980449 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10007063 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10029111 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10047539 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10083402 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10084698 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10084778 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 60 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 6 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10084958 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10084960 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 28 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10084967 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 37 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10084993 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion | No | yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10085000 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  | XXX |  |  |  | Yes | No | 36 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10086298 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10088573 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 12 | Yes | No | 50 | No |  | 2 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10088792 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 270 | 2 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10089136 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | XXX | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10099464 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10099466 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10099484 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10099489 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 41 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10100934 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | XXX | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 20 | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10106088 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10107800 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10109927 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | No | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10109952 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  | XXX |  |  | Yes | Yes | 12 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10109976 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  | 24 |  | XXX |  |  |  | No | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10109980 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  | 24 |  | XXX |  |  |  | Yes | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10110002 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 84 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10110005 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  | XXX | 12 | Yes | No | 104 | No | 0 | 1 | 0 | No | 1 | 1 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10110052 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  | 24 |  | XXX |  |  |  | Yes | Yes | 60 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10110063 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  | XXX |  |  | No | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10110070 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  | 24 |  | XXX |  |  |  | Yes | Yes | 60 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10110087 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10111717 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139402 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 28 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139403 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 107 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10139405 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139406 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139407 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 216 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139410 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 237 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139411 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 89 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139412 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139413 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 1 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139416 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business and Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 93 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139418 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 103 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139424 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 99 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139426 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 89 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139427 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 51 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139438 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139444 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX | XXX |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139445 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 97 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139461 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139463 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139465 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139481 | XXXXX |  | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139482 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | XXX |  |  | Yes | Yes | 194 | No |  | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139491 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139501 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 94 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139509 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 110 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139510 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 31 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139515 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 238 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10139521 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139540 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139542 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 62 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139543 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10139552 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161125 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 48 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161133 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 83 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10161138 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 54 | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161139 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161152 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  | 24 |  | XXX |  |  |  | Yes | Yes | 338 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161160 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | No | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161162 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX | XXX |  |  | Yes | Yes | 72 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161171 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | No | 109 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161237 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161239 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | No | 145 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161240 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 205 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161267 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion | No | No | Yes |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161282 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | No | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161285 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  | XXX |  |  |  | Yes | Yes | 72 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161286 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 50 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161289 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  | 24 |  | XXX |  |  |  | Yes | Yes | 65 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10179350 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX | XXX |  |  | Yes | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10179355 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 229 | 2 | 0 | No | 3 | 3 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10179437 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 95 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10179446 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | No | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10179448 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 16 | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10179449 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | No | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10179510 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  | XXX |  |  |  | Yes | Yes | 84 | Yes | 35 | 0 | 2 | No | 2 | 2 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10179522 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 60 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10179543 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 55 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220072 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | Yes | 0 | No | 0 | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220073 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 48 | No | 0 | 1 | 1 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220080 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 3 | Yes | No | 25 | No | 0 | 0 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220117 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 1 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220118 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | No | 24 | Yes | 105 | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220120 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 2 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220141 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 115 | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220149 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 12 | No | No | 0 | No | 0 | 2 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220185 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 108 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220186 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 15 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  | XXX |  |  | Yes | Yes | 63 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220187 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  | 12 | XXX |  |  |  | Yes | Yes | 36 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220190 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | No | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220191 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 36 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220193 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 98 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220201 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 39 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220205 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  | 13 |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220213 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | No | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220225 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX | XXX |  |  | Yes | Yes | 220 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220235 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 204 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220242 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  | 12 | XXX |  |  |  | Yes | Yes | 195 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220260 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  | 13 |  | XXX |  |  |  | Yes | Yes | 188 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220264 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 62 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220271 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 24 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220273 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | Yes | 60 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10220289 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 84 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220291 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  | XXX |  |  |  | Yes | Yes | 48 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220292 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX | XXX |  |  | Yes | Yes | 176 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220293 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  | XXX |  |  |  | Yes | Yes | 60 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220297 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 240 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220302 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 217 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220306 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  | 24 |  | XXX |  |  |  | Yes | Yes | 53 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10220308 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  | 24 |  |  |  |  |  | No | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No |  |
| 10220315 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  | 24 |  | XXX | XXX |  |  | Yes | Yes | 48 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10250596 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 36 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10250613 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10250619 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10250633 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | No | Yes | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10250684 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 195 | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX |  | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 9986930 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10085027 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10088781 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10110035 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10139485 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10158201 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | Yes | Yes | 156 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10107046 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Not Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10084938 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 16 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 179 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 10110025 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Qualifying DTI Exceeds 43% | XXX | Not Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 53 | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161155 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 172 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 10161270 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 64 | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 00 | 0 | 0 |  | No | XXX |
| 10161119 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 118 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |

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## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.5 - Schedule 6**

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| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 10084700 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 02/18/2026 | Resolved | 11306634372 | Credit | Insufficient Assets to Close | XXX verified assets < XXX minimum required liquidity for closing costs and reserves. We're currently using the XXX #XXX retirement account are XXX% of the balance. Please provide additional assets. | XX/XX/XXXX: Client confirmed XXX% of funds can be used | 02/27/2026 | XX/XX/XXXX: Client confirmed XXX% of funds can be used | 02/27/2026 | 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 |
| 10084700 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 02/18/2026 | Resolved | 11306658996 | Credit | Non-Arms Length Transaction | Seller's mortgage payment history reflects missed/late payments beginning in XXX through XXX Please provide an LOE from the seller and/or additional supporting documentation to support this not being a bailout. | XX/XX/XXXX: The sellers' liens has late payment but is NOT bailout. The prelim confirms no NOD's have been filed he payment history shows the payments are LATE, and paid. At funding, the demand confirms the sellers' payments were current, with no late fees, only XXX was due for the in-suspense balance. see attached. | 02/27/2026 | XX/XX/XXXX: Seller's Payoff Statement shows all late charges have been paid and UW supports that sale is not a bailout. | 02/27/2026 | 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 |
| 10085010 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 02/26/2026 | Resolved | 11379669822 | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Missing Settlement Statement | XX/XX/XXXX: Uploaded Settlement Statement | 02/27/2026 | XX/XX/XXXX: Received Settlement Statement | 02/27/2026 | 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 |
| 10179363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/02/2026 | Resolved | XXXXX-1 | 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 |
| 10179303 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/03/2026 | Resolved | XXXXX-1 | 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 |
| 10179305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/04/2026 | Resolved | 11424687143 | 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 |
| 10179339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/05/2026 | Resolved | XXXXX-1 | 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 |
| 10179395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/04/2026 | Resolved | XXXXX-1 | 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 |
| 10179400 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/05/2026 | Resolved | XXXXX-1 | 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 |
| 10084995 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/06/2026 | Resolved | XXXXX-1 | 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 |
| 10179358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/11/2026 | Resolved | 11485338974 | Credit | Title Insurance Missing or Defective | Missing Evidence of Title Insurance | XX/XX/XXXX: Title uploaded | 04/16/2026 | XX/XX/XXXX: Received Title | 04/16/2026 | 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 |
| 10179541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/23/2026 | Resolved | XXXXX-1 | 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 |
| 10109886 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/23/2026 | Resolved | XXXXX-01 | Credit | No Credit 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 |
| 10109975 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/29/2026 | Resolved | XXXXX-01 | Credit | No Credit 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 |
| 10109897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/29/2026 | Resolved | 11137042392 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XX/XX/XXXX: Deed Uploaded | 02/05/2026 | XX/XX/XXXX: Received Deed | 02/05/2026 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/29/2026 | Resolved | 11137046511 | Credit | Market Rent - Missing or Defective | UW appears to be qualifying based on XXX market rent. This consists of Unit XXX rent XXX + Unit XXX rent XXX and separated garage rent ($XXX). Please clarify if income from this separated garage is eligible for DSCR. | XX/XX/XXXX: NQM clarification removing garage rents | 02/05/2026 | XX/XX/XXXX: NQM clarification removing garage rents | 02/05/2026 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/29/2026 | Resolved | 11137136818 | Property | Appraisal Missing or Defective | Per guides, Purchase transactions that are currently tenant occupied must have their lease terms reflects by the appraiser. Appraisal reflects expired lease terms, but also shows the property is currently tenant occupied. Please provide an Appraisal with updated lease terms. | XX/XX/XXXX: Per XXX State law no documentation required | 02/05/2026 | XX/XX/XXXX: Per XXX State law no documentation required | 02/05/2026 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109918 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/02/2026 | Resolved | XXXXX-01 | Credit | No Credit 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 |
| 10110058 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/03/2026 | Resolved | 11175577430 | Credit | Title Insurance Missing or Defective | Preliminary Title in file is MISSING MORTGAGEe clause after lender's name. Please provide Title supplement with ISAOA/ATIMA verbiage. | XX/XX/XXXX: Title uploaded | 02/10/2026 | XX/XX/XXXX: Received Title | 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 |
| 10109920 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/03/2026 | Resolved | XXXXX-01 | Credit | No Credit 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 |
| 10109923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX-01 | Credit | No Credit 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 |
| 10109985 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/04/2026 | Rescinded | 11189499177 | Credit | Title Insurance Coverage - Inadequate Coverage | XXX Title Coverage < XXX minimum coverage required. Please provide Title Supplement with updated coverage | XX/XX/XXXX: Rescind | 02/10/2026 | XX/XX/XXXX: Rescind | 02/10/2026 | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 10109985 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/04/2026 | Acknowledged | 11189465752 | Property | Ineligible Property – Square Footage | Units XXX (XXX sqft) and Unit XXX (XXX sqft) < minimum XXX square feet per unit | XX/XX/XXXX: Exception Approval uploaded | 02/10/2026 | XX/XX/XXXX: Received Exception Approval | 02/10/2026 | XXX months reserves greater than program requirement, VOR XXX in XXX months (checks for private), Borrower has long history of paying multiple motrgages timely C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 10109873 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/05/2026 | Resolved | XXXXX-01 | Credit | No Credit 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 |
| 10109983 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/09/2026 | Resolved | XXXXX-01 | Credit | No Credit 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 |
| 10109974 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/09/2026 | Resolved | 11229325618 | Credit | Title Insurance Missing or Defective | Provided Title Commitment is MISSING MORTGAGEe clause after Lender's name, please provide Title Supplement with ISAOA/ATIMA verbiage. | XX/XX/XXXX: Title | 02/19/2026 | XX/XX/XXXX: Title received | 02/19/2026 | 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 |
| 10161317 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/10/2026 | Resolved | XXXXX-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 |
| 10109887 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/12/2026 | Resolved | XXXXX-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 |
| 10110050 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/12/2026 | Resolved | XXXXX-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 |
| 10109917 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/13/2026 | Resolved | XXXXX-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 |
| 10161211 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/25/2026 | Resolved | 11366163615 | Credit | Appraisal Aged | Appraisal dated XX/XX/XXXX. Please have appraiser correct date. | XX/XX/XXXX: Updated Appraisal | 03/03/2026 | XX/XX/XXXX: Updated Appraisal received | 03/03/2026 | 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 |
| 10161218 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/27/2026 | Resolved | XXXXX-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 |
| 10109879 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/02/2026 | Resolved | XXXXX-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 |
| 10109978 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/02/2026 | Resolved | XXXXX-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 |
| 10161307 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/02/2026 | Resolved | XXXXX-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 |
| 10161303 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/02/2026 | Resolved | XXXXX-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 |
| 10109900 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/05/2026 | Resolved | XXXXX-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 |
| 10139456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139452 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | 11086833949 | Credit | Credit Report Missing or Defective | Missing Credit Report for Borrower: XXX | XXX XX/XX/XXXX: Please see attached credit report. | 01/26/2026 | XX/XX/XXXX: Received | 01/26/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | 11097777873 | Credit | Asset Documentation Missing or Defective | Missing Operating Agreement(S) for XXX to prove access to assets | XXX XX/XX/XXXX: Please see attached documentation confirming both borrowers are signers on the account confirming access to the funds. | 01/29/2026 | XX/XX/XXXX: Received | 01/29/2026 | 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 |
| 10139425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/18/2026 | Acknowledged | 11311609589 | Credit | Excessive LTV Ratio | 80% LTV > XXX% max LTV allowed for cash-out refinance transactions. | XXX XX/XX/XXXX: Waived via email |  | XX/XX/XXXX: Waived via email |  | FICO XXX; PITIA Reserves XXX months; Mortgage history dating back to XXX with no adverse remarks; No adverse remarks on the credit report on any kind B | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 10139488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | 11097804135 | Property | Market Rent - Missing or Defective | Missing XXX or executed lease agreement for subject property XXX | XXX XX/XX/XXXX: Attached is the lease agreement which was previously provided as well as a screenshot of the provided guidelines for this product confirming that only one of either the lease agreement or XXX are needed. Please review to clear this condition. XXX XX/XX/XXXX: Guidelines for this product do not require a XXX as long as a lease agreement is in file for a long term rental. Please review to clear this condition. | 02/02/2026 | XX/XX/XXXX: Received XX/XX/XXXX: Finding has been updated as loan file is missing both XXX and executed lease agreement | 02/02/2026 | 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 |
| 10139467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | 11097858171 | Property | Completion Report or 1004D - Missing | Missing 1004D | XXX XX/XX/XXXX: Please see the attached mold inspection. | 02/02/2026 | XX/XX/XXXX: Received | 02/02/2026 | 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 |
| 10139443 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | 11086064026 | Property | Condo Questionnaire Missing or Defective | Missing Condo Questionnaire: XXX Condomuniums | XXX XX/XX/XXXX: Please see the attached condo questionnaire and verification recently. | 01/30/2026 | XX/XX/XXXX: Received | 01/30/2026 | 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 |
| 10139541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139450 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139435 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139414 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/26/2026 | Resolved | 11104364128 | Credit | Asset Documentation Missing or Defective | Missing XXX exchange documentation to verify proceeds of sale indicated on CD in file | XXX XX/XX/XXXX: The borrower did not use a XXX exchange for the required funds due at closing. However, the attached signed final cd for the sale of the non subject is evidence the borrower received acceptable funds for closing. | 02/04/2026 | XX/XX/XXXX: 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 |
| 10139492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/26/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/26/2026 |  | 01/26/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139469 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/26/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/26/2026 |  | 01/26/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/26/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/26/2026 |  | 01/26/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/26/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/26/2026 |  | 01/26/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139468 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/27/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/27/2026 |  | 01/27/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139419 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139470 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139483 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139448 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 01/23/2026 |  | 01/23/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 02/09/2026 |  | 02/09/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 02/09/2026 |  | 02/09/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 02/09/2026 |  | 02/09/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 02/09/2026 |  | 02/09/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | 11232391467 | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter (CPL) | XXX XX/XX/XXXX: Please see uploaded document. CPL as requested | 02/10/2026 | XX/XX/XXXX: Received | 02/10/2026 | 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 |
| 10139537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 02/09/2026 |  | 02/09/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 02/09/2026 |  | 02/09/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/11/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 02/11/2026 |  | 02/11/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/13/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines |  | 02/13/2026 |  | 02/13/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10065770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/08/2026 | Cleared | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX XX/XX/XXXX: Clear |  | XX/XX/XXXX: Clear | 01/08/2026 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10099603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 11/23/2025 | Clear | XXXXX-1049 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located : XXX | XX/XX/XXXX: Uploaded | 12/4/2025 | XX/XX/XXXX: Received | 12/9/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 10099641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 12/10/2025 | Clear | XXXXX-1080 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located : XXX | XX/XX/XXXX: Uploaded | 12/18/2025 | XX/XX/XXXX: Received | 12/18/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 10099641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 12/10/2025 | Clear | XXXXX-1081 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located : XXX | XX/XX/XXXX: Uploaded | 12/18/2025 | XX/XX/XXXX: Received | 12/18/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 10099641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 12/10/2025 | Acknowledged | XXXXX-1132 | Property | Ineligible Property | Property square footage of XXX < XXX sqft minimum required per guidelines | XX/XX/XXXX: Waived | 12/18/2025 | XX/XX/XXXX: Waived | 12/18/2025 | Fico XXX DSCR < XX/XX/XXXX B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 10109992 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 1/28/2026 | Resolved | XXXXX-01 | Credit | No Credit 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 |
| 10161216 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 2/26/2026 | Resolved | XXXXX-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 |
| 10084800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 1/27/2026 | Resolved | 11110560335 | Credit | Subject Property Lease - Missing or Defective | Missing receipt of the 1st month's rent and security deposit for the new subject property lease: XXX. | XX/XX/XXXX: Certificate of Occupancy | 1/27/2026 | XX/XX/XXXX: Received Certificate of Occupancy | 1/27/2026 | 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 |
| 10084865 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 1/28/2026 | Resolved | 11125874129 | Property | Hazard Insurance Missing or Defective | XXX Hazard Insurance Coverage < XXX minimum required. Please provide updated Hazard Insurance or replacement cost. | XX/XX/XXXX: Client clarified replacement cost | 2/12/2026 | XX/XX/XXXX: Client clarified replacement cost | 2/12/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084964 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 2/2/2026 | Resolved | 11164551401 | Credit | Guarantor Identification Missing or Defective | Missing ID for the Borrower: XXX | XX/XX/XXXX: Guarantor ID | 2/6/2026 | XX/XX/XXXX: Received Guarantor ID | 2/6/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 10179423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 3/9/2026 | Resolved | 11464102053 | Credit | Title Insurance Missing or Defective | XXX Title Insurance Coverage < XXX minimum coverage required. Please provide updated Title Insurance | XX/XX/XXXX: Title uploaded | 3/10/2026 | XX/XX/XXXX: Received Title | 3/10/2026 | 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 |
| 10179438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 3/10/2026 | Resolved | XXXXX-1 | 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 |
| 10065758 | XXXXX |  | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/23/2025 | Acknowledged | 10840962831 | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Lender needs to collect escrows at closing equal to the sum of XXX months of taxes and insurance: Did not collect Hazard Insurance escrows on HUD. | XXX XX/XX/XXXX: Waive with compensating factors of XXX & XXX FICO, 70% LTV with max XXX% available, and assets of >$XXX |  | XX/XX/XXXX: Waived | 01/08/2026 | FICO XXX 70% LTV, XXX x XXX x XXX D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 10065758 | XXXXX |  | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/23/2025 | Acknowledged | 10840973845 | Credit | Guaranty Missing or Defective | Missing signed guaranty from XXX (XXX% owner of XXX which owns XXX% of XXX). All loans must have executed personal guaranties from XXX% of borrowing entity per guidelines. | XXX XX/XX/XXXX: Waive with compensating factors of XXX & XXX FICO, 70% LTV with max XXX% available, and assets of >$XXX |  | XX/XX/XXXX: Waived | 01/08/2026 | FICO XXX 70% LTV, XXX x XXX x XXX D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |

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## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.5 - Schedule 7**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 10084700 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 10085010 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 10179363 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10179303 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10179305 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10179395 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10179339 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10179400 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084995 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10179358 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 10179541 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109886 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109975 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109897 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 10109918 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10110058 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 10109920 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109923 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109985 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 10109873 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109974 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 10109983 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10161317 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109887 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10110050 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109917 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10161211 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 10161218 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109879 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109978 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10161307 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10161303 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10109900 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139409 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139414 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139419 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139425 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139434 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139435 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139443 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 10139449 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139450 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139452 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 10139455 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139456 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139458 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 10139459 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139466 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139467 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 10139468 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139470 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139475 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139483 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139487 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139488 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 10139489 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139490 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139492 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139494 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139498 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139503 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139505 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139513 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139523 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139531 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 10139534 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139541 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139429 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 10139448 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139469 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139473 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139512 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139547 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139496 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139502 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139506 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139524 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139527 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139533 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139537 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139545 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10139550 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 10065770 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10099603 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 10099641 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B |
| 10109992 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10161216 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084800 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 10084865 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 10084964 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 10179423 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 10179438 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10065758 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |

---

## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.5 - Schedule 8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 10084700 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10085010 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10179363 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 10179303 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | XXX |  |  | Not Eligible |  |  |
| 10179305 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10179395 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10179339 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10179400 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10084995 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10179358 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10179541 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10109886 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1 |  |
| 10109975 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 10109897 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10109918 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1 |  |
| 10110058 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.60% | 70.60% | $XXX | $XXX | -7.84% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -7.84% | 0.90 | 0.10 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10109920 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10109923 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 62.50% | 62.50% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10109985 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 71A | $XXX | 54.90% | 54.90% | $XXX | $XXX | -10.00% | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -10.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10109873 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 63.80% | 63.80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 10109974 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible |  |  |
| 10109983 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10161317 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 10109887 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10110050 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10109917 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 71B | $XXX | 70.00% | 70.00% | $XXX | $XXX | 25.81% | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 25.81% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10161211 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10161218 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10109879 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1.2 |  |
| 10109978 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 43.75% | 43.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10161307 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 59.46% | 59.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1.6 |  |
| 10161303 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 69.47% | 69.47% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 10109900 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1 |  |
| 10139409 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139414 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 44.94% | 44.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139419 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 45.11% | 45.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139425 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139434 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.47% | 70.47% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139435 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139443 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139449 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 49.75% | 49.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 10139450 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139452 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 26.63% | 26.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139455 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139456 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 73.75% | 73.75% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139458 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139459 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139466 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139467 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139468 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139470 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 52.92% | 52.92% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139475 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 10139483 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139487 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 10139488 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139489 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139490 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139492 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 40.32% | 40.32% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139494 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139498 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 52.73% | 52.73% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139503 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139505 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139513 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 56.49% | 56.49% | $XXX | $XXX | 0.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.42% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139523 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 62.85% | 62.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139531 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139534 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.19% | 74.19% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139541 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139429 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 51.72% | 51.72% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible |  |  |
| 10139448 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139469 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 49.62% | 49.62% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139473 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.43% | 60.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1 |  |
| 10139512 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% | $XXX | $XXX | -8.97% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -8.97% | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139547 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 60.00% | 60.00% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10139496 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.96% | 79.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139502 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.57% | 63.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 10139506 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 57.59% | 57.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 10139524 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139527 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139533 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.82% | 65.82% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139537 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139545 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10139550 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10065770 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 10099603 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 71.80% | 71.80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10099641 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 61.50% | 61.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10109992 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible | 2.6 |  |
| 10161216 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 10084800 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | XXX |  |  | Eligible | 2.4 |  |
| 10084865 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 10084964 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10179423 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10179438 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 10065758 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 7000.00% | 7000.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.41% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |

---

## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.5 - Schedule 9**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 10179363 | XXXXX | P&I | XXX | XXX | Note reflects XXX P&I |
| 10179363 | XXXXX | PITIA | XXX | XXX | XXX P&I + XXX Tax + XXX Ins = XXX PITIA |
| 10179305 | XXXXX | P&I | XXX | XXX | Note reflects P&I of XXX |
| 10179305 | XXXXX | PITIA | XXX | XXX | XXX P&I + XXX ins. + XXX Tax = XXX PITIA |
| 10179395 | XXXXX | P&I | XXX | XXX | Note reflects P&I of XXX |
| 10179395 | XXXXX | Monthly Taxes | XXX | XXX | Includes City and School Taxes |
| 10179358 | XXXXX | PITIA | XXX | XXX | Tape is only reflecting P&I |
| 10109886 | XXXXX | DSCR | XXX | XXX | XXX lease rent / XXX PITIA = XX/XX/XXXX DSCR |
| 10109886 | XXXXX | T & I Payment | XXX | XXX | XXX Taxes + XXX Ins. = XXX T&I |
| 10109897 | XXXXX | DSCR | XXX | XXX | XXX total rent (Unit XXX rent XXX + Unit XXX rent $XXX)/ XXX PITIA = XX/XX/XXXX DSCR |
| 10109897 | XXXXX | First Pymt Date | XX/XX/XXXX | XX/XX/XXXX | First payment date is XX/XX/XXXX |
| 10109897 | XXXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 10109918 | XXXXX | DSCR | XXX | XXX | XXX Rent / XXX PITIA = XX/XX/XXXX DSCR |
| 10110058 | XXXXX | T & I Payment | XXX | XXX | XXX Tax + XXX Insurance = XXX T&I |
| 10109923 | XXXXX | Qualifying FICO | XXX | XXX | Highest borrower score XXX |
| 10109983 | XXXXX | Origination Date | XX/XX/XXXX | XX/XX/XXXX | Note dated XX/XX/XXXX |
| 10109983 | XXXXX | First Pymt Date | XX/XX/XXXX | XX/XX/XXXX | Note reflects First Payment Date as XX/XX/XXXX |
| 10109983 | XXXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Note reflects XXX of XX/XX/XXXX |
| 10109917 | XXXXX | T & I Payment | XXX | XXX | XXX Taxes + XXX Ins. = XXX T&I |
| 10161211 | XXXXX | Property Type | XXX | XXX | XXX Units |
| 10161211 | XXXXX | DSCR | XXX | XXX | XXX Market Rent / XXX PITIA = XX/XX/XXXX DSCR |
| 10161211 | XXXXX | Mo Pymt (P&I) | XXX | XXX | Note reflects P&I of XXX |
| 10161211 | XXXXX | T & I Payment | XXX | XXX | XXX Tax + XXX Ins + XXX Flood = XXX T&I |
| 10161218 | XXXXX | Loan Purpose | XXX | XXX | Refi No Cash Out |
| 10161218 | XXXXX | T & I Payment | XXX | XXX | XXX Tax + XXX Insurance = XXX T&I |
| 10161303 | XXXXX | DSCR | XXX | XXX | XXX Rent / XXX PITIA = XX/XX/XXXX DSCR |
| 10139434 | XXXXX | Amortization Term | XXX | XXX | IO XXX months |
| 10139467 | XXXXX | Amortization Term | XXX | XXX | IO XXX months |
| 10139475 | XXXXX | Amortization Term | XXX | XXX | IO XXX months |
| 10139492 | XXXXX | Amortization Term | XXX | XXX | IO XXX months |
| 10139494 | XXXXX | Amortization Term | XXX | XXX | IO XXX months |
| 10139534 | XXXXX | Amortization Term | XXX | XXX | IO XXX months |
| 10139469 | XXXXX | Amortization Term | XXX | XXX | IO XXX months |
| 10139547 | XXXXX | DSCR | XXX | XXX | Monthly breakdown: XXX Income/ XXX P&I + XXX Insurance + XXX Tax |
| 10109992 | XXXXX | T & I Payment | XXX | XXX | XXX All Taxes + XXX Ins. = XXX T&I |
| 10161216 | XXXXX | T & I Payment | XXX | XXX | XXX Tax + XXX Ins = XXX T&I |
| 10084800 | XXXXX | PITIA | XXX | XXX | PITIA is XXX |
| 10084865 | XXXXX | PITIA | XXX | XXX | PITIA is XXX |
| 10084865 | XXXXX | DSCR | XXX | XXX | XXX Lease Rent/ XXX PITIA = XX/XX/XXXX DSCR |
| 10084964 | XXXXX | PITIA | XXX | XXX | PITIA is XXX |
| 10084964 | XXXXX | Monthly Insurance | XXX | XXX | Blank Data Tape |
| 10084964 | XXXXX | Monthly Taxes | XXX | XXX | Blank Data Tape |
| 10179423 | XXXXX | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax + XXX HOA = XXX PITIA |

---

## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.5 - Schedule 10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** | **Final DSCR Fusion** |
| 10084700 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10085010 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10179363 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10179303 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10179305 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10179395 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10179339 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10179400 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10084995 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10179358 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10179541 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109886 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109975 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109897 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109918 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10110058 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109920 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109923 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109985 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109873 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109974 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109983 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10161317 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109887 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10110050 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109917 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10161211 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10161218 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109879 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109978 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |
| 10161307 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10161303 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10109900 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10139409 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX |  | XXX |  |
| 10139414 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.02 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139419 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139425 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139434 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 40 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139435 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139443 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX |  | XXX |  |
| 10139449 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139450 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139452 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139455 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139456 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139458 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139459 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139466 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139467 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.03 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139468 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139470 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139475 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 40 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139483 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.03 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139487 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139488 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139489 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139490 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139492 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 40 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.00 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139494 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 40 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139498 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139503 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139505 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139513 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139523 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139531 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139534 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 40 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139541 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139429 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139448 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139469 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 40 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139473 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139512 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139547 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139496 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139502 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139506 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139524 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139527 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139533 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139537 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139545 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10139550 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Clear | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  |  | XXX |  |
| 10065770 | XXXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.10 |  | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | Yes |  |  |
| 10099603 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  |  | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | Fixed R30 |  |  |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX |  | 0 | 0 | 0 |  | No |  |  |
| 10099641 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  |  | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | Fixed R30 |  |  |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | 0 | 0 | 0 |  | No |  |  |
| 10109992 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10161216 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10084800 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10084865 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10084964 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10179423 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10179438 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |
| 10065758 | XXXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | Percent | 5.00 |  |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | Yes | XXX |  |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.6**

![](ex996001.jpg)

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

**Overview**

**Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates. The review included a total of 44 newly originated residential mortgage loans, in connection with MSRM 2026- NQM7 (the "Securitization"). The review began on January 15, 2026, and concluded on February 20, 2026.** 

**Scope of Review4Credit Review**

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

The Credit Review attempted to confirm the following:

a. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete,
 Signed, Dated, on or before loan consummation date,

b. <u>Review Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions
 have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of DSCR or qualification method and LTV calculations

c. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy
 Red Flags adequately addressed

d. <u>Verification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable
 credit history and credit score requirements in conformance with Visio's guidelines.

e. <u>Verification of Borrower Asset Information</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease
 agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

f. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

g. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DSCR and any required upfront premium is paid

h. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

i. <u>Review Closing Documents</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

**Compliance Review**

Digital Risk 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. The Compliance Review included the following:

a. Federal
 Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below (for applicable Owner Occupied Properties):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

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

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

b. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

c. Business
 Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner
 Occupied Declaration Disclosure

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Affidavit (must state that borrower(s) or if borrower is a business entity, the member(s)
 and/or officer(s) of that business entity, including immediate family members of the
 same, will not reside in the property or claimed as primary or secondary residence)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA
 section (Information for Government Monitoring Purposes) of the application (initial
 and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If
 property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right
 to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter
 of Explanation detailing the use of proceeds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's
 statement of purpose for the loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State
 License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State
 Predatory lending and high cost when applicable

d. <u>Exclusions</u>.
 Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

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 Digital Risk are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Digital Risk is relying in reaching such findings.

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

a. <u>Review Appraisal</u> 

b. Digital
 Risk's review will include a review of the valuation materials utilized during
 the origination of the loan and in confirming the value of the underlying property. Digital
 Risk's review will include verifying the appraisal report:

c. On
 the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains evidence that Client approved use of
 that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The
 original appraisal report is made and signed prior to the final approval of the closing
 of the loan. Any revisions, if made known to Digital Risk, to the original report are
 documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Determine
 whether the appraised value is supported at or within 90% based on a third-party valuation
 product. If a third-party valuation product is in file, but notes less than 90% of the
 appraised value or an inconclusive value, Digital Risk will review other third-party
 product(s) in the file to ensure the correct value was applied per Client Guidelines.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Other
 aspects of Digital Risk's review include (i) verifying that the address matched
 the mortgage note, ((ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that if there
 are negative external factors, there is support in the loan file of the Client's
 approval to waive the factor; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

d. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in Digital
 Risk's review result in a variance of more than 10% then the client will be notified
 of such variance.

e. Digital
 Risk will confirm to the extent possible, that the appraiser and the appraisal made by
 such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital
 Risk will review the appraisal for conformity to industry standards, including ensuring
 the appraisal was complete, that the comparable properties and adjustments were documented
 and that pictures were provided and were accurate.

f. In
 addition, Digital Risk will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 44 properties (44 loans) where data validation was completed. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Channel/Origination Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;6.82% |
| &nbsp;&nbsp;Total Cash Reserves | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.55% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;43 | &nbsp;&nbsp;$13059955.00 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | &nbsp;&nbsp;$115000.00 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;44 | &nbsp;&nbsp;$13174955.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;44 | &nbsp;&nbsp;$13174955.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;44 | &nbsp;&nbsp;$13174955.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;44 | &nbsp;&nbsp;$13174955.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;44 | &nbsp;&nbsp;$13174955.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;43 | &nbsp;&nbsp;$13059955.00 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | &nbsp;&nbsp;$115000.00 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;44 | &nbsp;&nbsp;$13174955.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The valuation methodology does not meet applicable published guidelines for the program. <br> The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products the lower of the appraised value and reconciliation will be used to establish lending value.<br>The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms.  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.6 - Schedule 1**

---

| | | |
|:---|:---|:---|
| **Loan Count:** | 44 |  |
| **Fields Reviewed** | **Count** | **Percentage** |
| Channel/Origination Type | 3 | 6.82% |
| Total Cash Reserves | 2 | 4.55% |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Count:** | 44 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 10159013 | XXXX | Total Cash Reserves | XXXX | XXXX |
| XXXX | XXXX | 10159020 | XXXX | Channel/Origination Type | Retail | Broker |
| XXXX | XXXX | 10159004 | XXXX | Channel/Origination Type | Retail | Broker |
| XXXX | XXXX | 10159021 | XXXX | Total Cash Reserves | XXXX | XXXX |
| XXXX | XXXX | 10159015 | XXXX | Channel/Origination Type | Retail | Broker |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.6 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 10159016 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 10159016 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 10159016 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA was provided which did not support the appraised value. A Reconciliation Value Report was provided of the appraisal & CDA that supported the appraised value. As the Reconciliation Value Report was a 2nd valuation product, this is graded as an EV2. (Acknowledged) | Acknowledged |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 10159031 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159031 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159031 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159009 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159009 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159009 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159018 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159018 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159018 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159005 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159005 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159005 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159003 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159003 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159003 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159033 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159033 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159033 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159019 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159019 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159019 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159011 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159011 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159011 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159012 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider(s) / Legal Addendum(s) are missing: Exhibit A | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exhibit A provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 10159012 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 10159012 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 10159013 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159013 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159013 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159030 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 10159030 | 2 of 3 | XXXX | XXXX | Credit | Income - Other | XXXX | The Executive Approval indicates XXXX and XXXX were used for approval of STR Rents in the amount of $XXXX. The loan file is missing both the XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Rent determination provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 10159030 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 10159020 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159020 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159020 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159036 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159036 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159036 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159025 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159025 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159025 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159055 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159055 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159055 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159006 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159006 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159006 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159014 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159014 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159014 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159037 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159037 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159037 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159004 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159004 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159004 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10142350 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10142350 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10142350 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159038 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159038 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159038 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159039 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159039 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159039 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159040 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159040 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159040 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159026 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159026 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159026 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159041 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159041 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159041 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159021 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159021 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159021 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10142333 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10142333 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10142333 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159027 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159027 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159027 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159028 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159028 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159028 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159059 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159059 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159059 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159048 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159048 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159048 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159015 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159015 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159015 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159049 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159049 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159049 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159050 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159050 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159050 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159057 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159057 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159057 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159058 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159058 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159058 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159051 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159051 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159051 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159052 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159052 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159052 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159064 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159064 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159064 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159061 | 1 of 4 | XXXX | XXXX | Compliance | HUD1 - Incomplete | XXXX | The settlement statement is either incomplete or incorrect. Page XXXX of the Closing Disclosure Provided is missing page XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CD provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CD provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. They do not belong to the borrower. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The CD provided is sufficient to clear the exceptions. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 10159061 | 2 of 4 | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Per guidelines, underwriter is required to review all business documentation. EIN is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This LLC has no EIN, SSN is used instead<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 10159061 | 3 of 4 | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | HUD - XXXX Incomplete. Page XXXX of the closing disclosure provided is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CD provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CD provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> HUD is not associated with subject transaction. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 10159061 | 4 of 4 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. . The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 10159044 | 1 of 3 | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Statement provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Borrower closing disclosure provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The Seller HUD has been provided; please provide the HUD for the borrower. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 10159044 | 2 of 3 | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | The file is missing final HUD- XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Statement provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX CD provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Only the XXXX's side was provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 10159044 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 10159062 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159062 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159062 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159065 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159065 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 10159065 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.6 - Schedule 3**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 10142333 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159003 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159004 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159006 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10142350 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159009 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159014 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159012 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 10159015 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159019 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159020 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159016 | XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| XXXX | 10159011 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159031 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159013 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159036 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159040 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159033 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159028 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159026 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159018 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159005 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159037 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159025 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159038 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159039 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159055 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159044 | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 10159041 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159030 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 10159057 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159048 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159052 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159051 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159059 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159049 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159021 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159050 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159058 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159061 | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 10159027 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159062 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159065 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 10159064 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.6 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 10142333 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159003 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159004 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10142350 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159006 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159009 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159012 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159014 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159015 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.261% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159016 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -14.583% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.167% | XXXX | XX/XX/XXXX |  |  |  |  |  |
| XXXX | 10159011 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159019 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159020 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159013 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159031 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.053% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159036 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159033 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.610% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159040 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159005 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159018 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159026 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159028 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.326% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159038 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159025 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159039 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159037 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159044 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159041 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159055 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159030 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159048 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159051 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159052 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159057 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159021 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159049 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159059 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159058 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159050 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159061 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159062 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159027 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159065 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10159064 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.7**

![](ex997001.jpg)

**Selene Diligence LLC ("Selene") Due**

**Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates ("Client"). The review was conducted between May 08 2025 and April 06 2026 , via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 276 ATR-QM Exempt loans and 10 Non-QM loans for a total of 286 loans the "Final Securitization Population").

*<u>Credit Reviews (286):</u>*

During the Review, Selene performed a credit review on 286 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (286):</u>*

During the Review, Selene performed a compliance review, when applicable on 286 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (286):</u>*

During the Review, Selene performed a property valuation review on 286 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (286):</u>*

During the Review, Selene performed a Data Integrity Review on 286 mortgage loans in the Final Securitization Population.

*MSRM 2026-NQM7 (Selene Diligence)*

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 286 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp; 286 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;286 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;286 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;286 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P"), DBRS, Inc. ("DBRS"), Moody's Investors Service, Inc. ("Moody's"), and Kroll Bond Rating Agency, LLC ("Kroll") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Kind Lending Non-Agency Program Guidelines, 5th Street Capital Non-QM Loan Eligibility, LoanStream Core Guide, CV3 Financial Services Underwriting Procedures, LoanStream One Guide, ROC Capitals Single Property Rental Guidelines (the "Guidelines").

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

*MSRM 2026-NQM7 (Selene Diligence)*

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

 **CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics
of the mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine
whether funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

 **COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

 **PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

*MSRM 2026-NQM7 (Selene Diligence)*

 **DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 286 mortgage loans, (ii) a Compliance Review on 286 mortgage loans (iii) a Valuation Review on 286 mortgage loans, and (iv) a Data Integrity Review on 286 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 286 mortgage loans; 259 mortgage loans had a rating grade of A, 27 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; ***Grades per loan (286 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (286 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (286 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (286 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (286 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (286 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (286 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (286 overall loans):*** |  |  |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;144 | &nbsp;&nbsp;144 | &nbsp;&nbsp;144 | &nbsp;&nbsp;144 | &nbsp;&nbsp;50.35% | &nbsp;&nbsp;A | &nbsp;&nbsp;259 | &nbsp;&nbsp;259 | &nbsp;&nbsp;259 | &nbsp;&nbsp;259 | &nbsp;&nbsp;90.56% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;B | &nbsp;&nbsp;27 | &nbsp;&nbsp;27 | &nbsp;&nbsp;27 | &nbsp;&nbsp;27 | &nbsp;&nbsp;9.44% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;19.23% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;76 | &nbsp;&nbsp;76 | &nbsp;&nbsp;76 | &nbsp;&nbsp;76 | &nbsp;&nbsp;26.57% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

*MSRM 2026-NQM7 (Selene Diligence)*

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |  |
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;266 | &nbsp;&nbsp;266 | &nbsp;&nbsp;266 | &nbsp;&nbsp;266 | &nbsp;&nbsp;93.01% | &nbsp;&nbsp;A | &nbsp;&nbsp;279 | &nbsp;&nbsp;279 | &nbsp;&nbsp;279 | &nbsp;&nbsp;279 | &nbsp;&nbsp;97.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;6.99% | &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |  |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;286 | &nbsp;&nbsp;286 | &nbsp;&nbsp;286 | &nbsp;&nbsp;286 | &nbsp;&nbsp;100.00% |  |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of

*MSRM 2026-NQM7 (Selene Diligence)*

limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are

designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

*MSRM 2026-NQM7 (Selene Diligence)*

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income
calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

*MSRM 2026-NQM7 (Selene Diligence)*

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets
was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is
a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file
meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the
DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations
have been addressed in the loan file;

*MSRM 2026-NQM7 (Selene Diligence)*

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm
that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan
file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm
the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination
process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate,
and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan
file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been
recorded or have been sent for recording.

*MSRM 2026-NQM7 (Selene Diligence)*

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

*MSRM 2026-NQM7 (Selene Diligence)*

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

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

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

*MSRM 2026-NQM7 (Selene Diligence)*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

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

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

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

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

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

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

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

*MSRM 2026-NQM7 (Selene Diligence)*

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

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

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

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

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

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

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

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

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

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

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

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

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

*MSRM 2026-NQM7 (Selene Diligence)*

<u>General Ability to Repay</u>

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

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

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

a) Providing Appraisals and Other Valuations (12 C.F.R.
1002.14):

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

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

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

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

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

*MSRM 2026-NQM7 (Selene Diligence)*

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

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

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

*MSRM 2026-NQM7 (Selene Diligence)*

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.7 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 9186029 | XXXX A |
| XXXX |  | 10160013 | XXXX D A |
| XXXX |  | 9856989 | XXXX A |
| XXXX |  | 9957263 | XXXX A |
| XXXX |  | 10160034 | XXXX C A |
| XXXX |  | 10160028 | XXXX A |
| XXXX |  | 10160085 | XXXX A |
| XXXX |  | 10160066 | XXXX A |
| XXXX |  | 10160184 | XXXX A D |
| XXXX |  | 10160035 | XXXX A |
| XXXX |  | 10160023 | XXXX C A B |
| XXXX |  | 10160183 | XXXX C A D |
| XXXX |  | 10160071 | XXXX A |
| XXXX |  | 10160048 | XXXX C A B |
| XXXX |  | 10160041 | XXXX C A B |
| XXXX |  | 10160084 | XXXX C A D |
| XXXX |  | 10160015 | XXXX A |
| XXXX |  | 10160096 | XXXX A D |
| XXXX |  | 10160020 | XXXX A |
| XXXX |  | 10160092 | XXXX C D A B |
| XXXX |  | 10088994 | XXXX C D A B |
| XXXX |  | 10089044 | XXXX A |
| XXXX |  | 10089100 | XXXX A |
| XXXX |  | 10106283 | XXXX A |
| XXXX |  | 10106294 | XXXX A D |
| XXXX |  | 10106296 | XXXX C A |
| XXXX |  | 10106299 | XXXX D A |
| XXXX |  | 10106302 | XXXX A |
| XXXX |  | 10106330 | XXXX A |
| XXXX |  | 10106333 | XXXX A |
| XXXX |  | 10106339 | XXXX C A |
| XXXX |  | 10106375 | XXXX C A |
| XXXX |  | 10106378 | XXXX A |
| XXXX |  | 10106383 | XXXX A B |
| XXXX |  | 10106385 | XXXX C A |
| XXXX |  | 10106389 | XXXX C D A |
| XXXX |  | 10160025 | XXXX A |
| XXXX |  | 10160042 | XXXX A |
| XXXX |  | 10160129 | XXXX A |
| XXXX |  | 10160039 | XXXX A |
| XXXX |  | 10160212 | XXXX D A |
| XXXX |  | 10160107 | XXXX C A |
| XXXX |  | 10160067 | XXXX D A |
| XXXX |  | 10160040 | XXXX A |
| XXXX |  | 10160014 | XXXX A |
| XXXX |  | 10160136 | XXXX A |
| XXXX |  | 10160153 | XXXX A D |
| XXXX |  | 10160158 | XXXX C A |
| XXXX |  | 10160089 | XXXX A |
| XXXX |  | 10160188 | XXXX D A |
| XXXX |  | 10160233 | XXXX C A |
| XXXX |  | 10160205 | XXXX D A |
| XXXX |  | 10083049 | XXXX D A |
| XXXX |  | 10160029 | XXXX C A |
| XXXX |  | 10160121 | XXXX D B A |
| XXXX |  | 10160022 | XXXX A |
| XXXX |  | 10160091 | XXXX D A B |
| XXXX |  | 10160012 | XXXX A |
| XXXX |  | 10160160 | XXXX A |
| XXXX |  | 10160037 | XXXX C A |
| XXXX |  | 10149843 | XXXX C A |
| XXXX |  | 9610764 | XXXX A |
| XXXX |  | 10149845 | XXXX C A |
| XXXX |  | 10149846 | XXXX D A C |
| XXXX |  | 10149850 | XXXX C A |
| XXXX |  | 10149855 | XXXX A |
| XXXX |  | 10149856 | XXXX C B A |
| XXXX |  | 10149860 | XXXX A |
| XXXX |  | 10149862 | XXXX D A |
| XXXX |  | 10149864 | XXXX A |
| XXXX |  | 10149866 | XXXX A |
| XXXX |  | 10149867 | XXXX A |
| XXXX |  | 10149870 | XXXX A |
| XXXX |  | 10149873 | XXXX A |
| XXXX |  | 10149874 | XXXX A |
| XXXX |  | 10149875 | XXXX A |
| XXXX |  | 10149878 | XXXX C A D |
| XXXX |  | 10149881 | XXXX A |
| XXXX |  | 10149884 | XXXX C A |
| XXXX |  | 10149885 | XXXX C A |
| XXXX |  | 10149886 | XXXX A |
| XXXX |  | 10149887 | XXXX A |
| XXXX |  | 10149888 | XXXX C A |
| XXXX |  | 10149889 | XXXX A |
| XXXX |  | 10149891 | XXXX A |
| XXXX |  | 10149892 | XXXX A |
| XXXX |  | 10149894 | XXXX A B |
| XXXX |  | 10149895 | XXXX A |
| XXXX |  | 10149897 | XXXX A B |
| XXXX |  | 10149901 | XXXX A |
| XXXX |  | 10149902 | XXXX A |
| XXXX |  | 10149903 | XXXX A |
| XXXX |  | 10149904 | XXXX A |
| XXXX |  | 10149908 | XXXX D A |
| XXXX |  | 10149909 | XXXX C A |
| XXXX |  | 10149910 | XXXX A D |
| XXXX |  | 10149911 | XXXX A |
| XXXX |  | 10149914 | XXXX A |
| XXXX |  | 10149915 | XXXX D B A |
| XXXX |  | 10149918 | XXXX A B |
| XXXX |  | 10149919 | XXXX D B A |
| XXXX |  | 10149920 | XXXX C B A |
| XXXX |  | 10149923 | XXXX D A |
| XXXX |  | 10149924 | XXXX C A |
| XXXX |  | 10149926 | XXXX A B |
| XXXX |  | 10149930 | XXXX A |
| XXXX |  | 10149931 | XXXX A |
| XXXX |  | 10149932 | XXXX C A |
| XXXX |  | 10149936 | XXXX A |
| XXXX |  | 10149937 | XXXX A |
| XXXX |  | 10149938 | XXXX A |
| XXXX |  | 10149939 | XXXX C A |
| XXXX |  | 10149941 | XXXX A |
| XXXX |  | 10149943 | XXXX A |
| XXXX |  | 10149944 | XXXX A |
| XXXX |  | 10149947 | XXXX D A |
| XXXX |  | 10149949 | XXXX A |
| XXXX |  | 10149950 | XXXX D A |
| XXXX |  | 10149951 | XXXX A |
| XXXX |  | 10149953 | XXXX A |
| XXXX |  | 10149954 | XXXX D A |
| XXXX |  | 10149956 | XXXX A |
| XXXX |  | 10149960 | XXXX A |
| XXXX |  | 10149962 | XXXX A |
| XXXX |  | 10149963 | XXXX A |
| XXXX |  | 10149964 | XXXX A |
| XXXX |  | 10149965 | XXXX A |
| XXXX |  | 10149966 | XXXX A |
| XXXX |  | 10149967 | XXXX A |
| XXXX |  | 10149968 | XXXX A D |
| XXXX |  | 10149969 | XXXX C A |
| XXXX |  | 10149971 | XXXX C A |
| XXXX |  | 10149973 | XXXX A B |
| XXXX |  | 10149974 | XXXX A |
| XXXX |  | 10149976 | XXXX A B |
| XXXX |  | 10149977 | XXXX A |
| XXXX |  | 10149982 | XXXX C A |
| XXXX |  | 10149983 | XXXX A B |
| XXXX |  | 10149984 | XXXX A |
| XXXX |  | 10149842 | XXXX D A |
| XXXX |  | 10149848 | XXXX A |
| XXXX |  | 10149849 | XXXX A |
| XXXX |  | 10149852 | XXXX C A |
| XXXX |  | 10149857 | XXXX C A |
| XXXX |  | 10149869 | XXXX D A |
| XXXX |  | 10149900 | XXXX C A |
| XXXX |  | 10149940 | XXXX A |
| XXXX |  | 10149979 | XXXX C A |
| XXXX |  | 10149980 | XXXX A |
| XXXX |  | 10149981 | XXXX A D |
| XXXX |  | 10160044 | XXXX A D B |
| XXXX |  | 10160070 | XXXX A |
| XXXX |  | 10160087 | XXXX C D A |
| XXXX |  | 10160113 | XXXX C A |
| XXXX |  | 10160138 | XXXX A |
| XXXX |  | 10160142 | XXXX D A |
| XXXX |  | 10160165 | XXXX D A B |
| XXXX |  | 10160207 | XXXX D A |
| XXXX |  | 10160242 | XXXX C A |
| XXXX |  | 10160026 | XXXX D A |
| XXXX |  | 10160049 | XXXX D A |
| XXXX |  | 10160043 | XXXX A |
| XXXX |  | 10160077 | XXXX D A |
| XXXX |  | 10160125 | XXXX A B |
| XXXX |  | 10160141 | XXXX A |
| XXXX |  | 10160179 | XXXX D B A |
| XXXX |  | 10160259 | XXXX A |
| XXXX |  | 10160262 | XXXX D C A |
| XXXX |  | 10160263 | XXXX A |
| XXXX |  | 10160266 | XXXX A |
| XXXX |  | 10160267 | XXXX A |
| XXXX |  | 10160268 | XXXX C A |
| XXXX |  | 10160271 | XXXX D A |
| XXXX |  | 10160272 | XXXX A |
| XXXX |  | 10160176 | XXXX A |
| XXXX |  | 10160251 | XXXX C A |
| XXXX |  | 10162518 | XXXX A D |
| XXXX |  | 10162519 | XXXX A D |
| XXXX |  | 10162520 | XXXX A |
| XXXX |  | 10162521 | XXXX A |
| XXXX |  | 10162522 | XXXX C A B |
| XXXX |  | 10162523 | XXXX A |
| XXXX |  | 10162524 | XXXX A D |
| XXXX |  | 10162525 | XXXX A |
| XXXX |  | 10162526 | XXXX A D |
| XXXX |  | 10162527 | XXXX A |
| XXXX |  | 10162529 | XXXX D A |
| XXXX |  | 10162530 | XXXX A |
| XXXX |  | 10162531 | XXXX A |
| XXXX |  | 10162532 | XXXX A |
| XXXX |  | 10162534 | XXXX C A |
| XXXX |  | 10162535 | XXXX C B A |
| XXXX |  | 10162537 | XXXX A D |
| XXXX |  | 10162538 | XXXX A |
| XXXX |  | 10162539 | XXXX D A |
| XXXX |  | 10162540 | XXXX D A |
| XXXX |  | 10162541 | XXXX C D A |
| XXXX |  | 10162542 | XXXX A |
| XXXX |  | 10162548 | XXXX A B |
| XXXX |  | 10162549 | XXXX A |
| XXXX |  | 10162550 | XXXX D B A |
| XXXX |  | 10162551 | XXXX D B A |
| XXXX |  | 10162553 | XXXX A |
| XXXX |  | 10162554 | XXXX A |
| XXXX |  | 10162555 | XXXX A |
| XXXX |  | 10162556 | XXXX A |
| XXXX |  | 10162557 | XXXX C A |
| XXXX |  | 10162559 | XXXX A |
| XXXX |  | 10162560 | XXXX A |
| XXXX |  | 10162564 | XXXX D B A |
| XXXX |  | 10162565 | XXXX A |
| XXXX |  | 10162566 | XXXX A |
| XXXX |  | 10162567 | XXXX D A |
| XXXX |  | 10162568 | XXXX A |
| XXXX |  | 10162569 | XXXX A |
| XXXX |  | 10162570 | XXXX C D A |
| XXXX |  | 10162571 | XXXX A C |
| XXXX |  | 10162572 | XXXX A |
| XXXX |  | 10162576 | XXXX A |
| XXXX |  | 10162578 | XXXX A |
| XXXX |  | 10162580 | XXXX A |
| XXXX |  | 10162581 | XXXX A |
| XXXX |  | 10162582 | XXXX A |
| XXXX |  | 10162583 | XXXX D A |
| XXXX |  | 10162585 | XXXX A |
| XXXX |  | 10162587 | XXXX A |
| XXXX |  | 10162588 | XXXX C A |
| XXXX |  | 10162589 | XXXX C A |
| XXXX |  | 10162590 | XXXX A |
| XXXX |  | 10162591 | XXXX A |
| XXXX |  | 10162592 | XXXX C D A |
| XXXX |  | 10162593 | XXXX C A |
| XXXX |  | 10162594 | XXXX A |
| XXXX |  | 10162596 | XXXX A |
| XXXX |  | 10162597 | XXXX C A |
| XXXX |  | 10162599 | XXXX D A |
| XXXX |  | 10162600 | XXXX A |
| XXXX |  | 10162601 | XXXX A |
| XXXX |  | 10162602 | XXXX A |
| XXXX |  | 10162605 | XXXX A B |
| XXXX |  | 10162606 | XXXX A D |
| XXXX |  | 10162607 | XXXX A |
| XXXX |  | 10162608 | XXXX C A |
| XXXX |  | 10162609 | XXXX A |
| XXXX |  | 10162610 | XXXX A D |
| XXXX |  | 10162611 | XXXX A |
| XXXX |  | 10162612 | XXXX A D |
| XXXX |  | 10162613 | XXXX A |
| XXXX |  | 10162614 | XXXX A |
| XXXX |  | 10162615 | XXXX A |
| XXXX |  | 10162616 | XXXX C A |
| XXXX |  | 10162617 | XXXX A D |
| XXXX |  | 10162618 | XXXX A |
| XXXX |  | 10162619 | XXXX A |
| XXXX |  | 10162620 | XXXX A |
| XXXX |  | 10162622 | XXXX C A |
| XXXX |  | 10162623 | XXXX A D |
| XXXX |  | 10162624 | XXXX A |
| XXXX |  | 10162626 | XXXX A |
| XXXX |  | 10162627 | XXXX A |
| XXXX |  | 10162628 | XXXX D A |
| XXXX |  | 10162629 | XXXX A |
| XXXX |  | 10162630 | XXXX A D |
| XXXX |  | 10162562 | XXXX A |
| XXXX |  | 10162579 | XXXX A |
| XXXX |  | 10161147 | XXXX A |
| XXXX |  | 10194925 | XXXX C A |
| XXXX |  | 10179433 | XXXX D C A |
| XXXX |  | 10194930 | XXXX D A |
| XXXX |  | 10200602 | XXXX A |
| XXXX |  | 10200605 | XXXX A |
| XXXX |  | 10200621 | XXXX D A |
| XXXX |  | 10200628 | XXXX A |
| XXXX |  | 10200636 | XXXX D A |
| XXXX |  | 10200641 | XXXX A |
| XXXX |  | 10200660 | XXXX C A |
| XXXX |  | 10200697 | XXXX D A |
| XXXX |  | 10179434 | XXXX C D A |
| XXXX |  | 10194931 | XXXX A C |
| XXXX |  | 10194947 | XXXX D A |
| XXXX |  | 10179335 | XXXX C A |
| XXXX |  | 10194949 | XXXX C A |
| XXXX |  | 10194929 | XXXX D C A |
| XXXX |  | 10179515 | XXXX A |
| XXXX |  | 10179544 | XXXX C A |
| XXXX |  | 10179362 | XXXX A C |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.7 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 9186029 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 79.66 | 79.66 | XXXX | XXXX |  |  | XXXX | XXXX | -.0690 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0690 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 75.52 | 75.52 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 9856989 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 82.64 | 82.64 | XXXX | XXXX | .1019 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .1019 | XXXX | 1073 Individual Condo Report | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .1019 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 9957263 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0917 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0917 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0476 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.5 | 44.5 | XXXX | XXXX |  |  | XXXX | XXXX | .0471 | AVM | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0471 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160085 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160066 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160184 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.84 | 59.84 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160183 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160071 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 10160048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 10160041 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.71 | 62.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 10160084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.49 | 79.49 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 71.91 | 71.91 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 56.67 | 56.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.11 | 67.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160092 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10088994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | 1025 Small Residential Income Report | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | XXXX | 1025 Small Residential Income Report | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10089044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10089100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 79.23 | 79.23 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10106283 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10106294 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10106296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10106299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10106302 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10106330 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10106333 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10106339 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 79.31 | 79.31 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10106375 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10106378 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10106383 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10106385 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10106389 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.55 | 79.55 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 72.74 | 72.74 | XXXX | XXXX | -.7229 |  | XXXX | XXXX | -.2771 |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 10160129 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 10160039 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 10160212 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160107 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.36 | 64.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 10160067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160040 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 10160153 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 10160158 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160188 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | -.0039 | AVM | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0039 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160205 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0376 | AVM | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0376 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10083049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 10160029 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | -.0023 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.4844 |  | XXXX | XXXX | .0000 |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160022 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160091 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0074 | AVM | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0074 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160160 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.44 | 44.44 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | -.0640 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0640 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 9610764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.95 | 73.95 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149845 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 73.97 | 73.97 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .0274 | XXXX | 1025 Small Residential Income Report | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .1333 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .1333 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149850 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 76.52 | 76.52 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .0357 | XXXX | 1025 Small Residential Income Report | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0857 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149856 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .3033 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .3033 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .0857 | XXXX | 1025 Small Residential Income Report | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149864 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149866 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149867 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0959 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0959 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149870 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.0 | 66.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149873 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 67.02 | 67.02 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149875 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1818 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149878 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.86 | 78.86 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1143 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149881 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149884 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 66.22 | 66.22 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149885 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149886 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 72.46 | 72.46 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149888 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0650 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0650 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0100 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149889 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0619 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0619 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149891 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149892 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149894 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149895 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0933 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149897 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149902 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149903 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149904 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149908 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149909 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149910 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0705 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0705 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149911 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149914 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0208 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0208 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149915 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149920 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 81.13 | 81.13 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .0817 | XXXX | 1025 Small Residential Income Report | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149931 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0545 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149944 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149947 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149951 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0821 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149960 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.36 | 69.36 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149967 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149968 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0857 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0857 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0476 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0476 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149976 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0984 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0984 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.97 | 63.97 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 65.64 | 65.64 | XXXX | XXXX | -.0859 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149848 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 74.6 | 74.6 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149857 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0286 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149869 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 67.9 | 67.9 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149900 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 65.73 | 65.73 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | -.0523 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 68.75 | 68.75 | XXXX | XXXX | -.0111 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 69 | 69 | XXXX | XXXX | -.1449 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160070 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 10160113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160142 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160165 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160207 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 10160242 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0003 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0003 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.2619 |  | XXXX | XXXX | .0000 |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.2 | 69.2 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160141 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.32 | 64.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 10160179 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 10160259 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 10160262 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160263 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 10160266 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 10160267 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160268 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10160176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160251 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10162518 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162520 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.05 | 67.05 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .0164 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162521 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 56.84 | 56.84 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162522 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162523 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0174 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0174 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162525 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162529 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0203 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0203 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.13 | 68.13 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162532 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0473 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0473 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162534 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 72.5 | 72.5 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162535 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0588 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0588 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .1786 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1786 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0417 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0417 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162540 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0444 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0444 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.14 | 61.14 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162549 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0636 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162550 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.86 | 61.86 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162553 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.64 | 72.64 | XXXX | XXXX | -.0126 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0126 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0485 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0485 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0211 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162559 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162560 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0392 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0392 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162566 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162567 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0335 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.04 | 79.04 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0068 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0523 | Desk Review | XXXX | XXXX | -.0523 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0523 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0523 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.08 | 55.08 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0441 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0112 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162582 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162583 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162585 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 59.48 | 59.48 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162587 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162588 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162591 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.48 | 59.48 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0290 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0290 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0577 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162597 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0828 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162600 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .2252 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162605 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0806 | 1025 Small Residential Income Report | XXXX | XXXX |  |  | XXXX | XXXX | -.0806 | XXXX | 1025 Small Residential Income Report | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162607 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0291 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0291 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162608 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .0246 | XXXX | 1025 Small Residential Income Report | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1000 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0055 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162611 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0506 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162613 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0104 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162616 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0328 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0328 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162617 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.79 | 69.79 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162619 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | RE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162623 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162624 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | -.0126 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0126 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162628 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.33 | 73.33 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0087 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0087 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10162579 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0075 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10161147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10194925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10179433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 10194930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10200602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10200605 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10200621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.79 | 64.79 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10200628 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10200636 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10200641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10200660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX | -.0099 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0099 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10200697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10179434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10194931 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.06 | 64.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 10194947 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.82 | 62.82 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10179335 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10194949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.97 | 79.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10194929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate RIsk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10179515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10179544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 10179362 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible | 1.9 | XXXX |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.7 - Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 9856989 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 9856989 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 9957263 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 9957263 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160085 | XXXX | Monthly HOA $| propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160184 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160184 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160035 | XXXX | Cash Disbursement Date | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160023 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160023 | XXXX | Third Party Market Rent Estimate | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160023 | XXXX | Monthly HOA $| propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160023 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160183 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160048 | XXXX | Monthly Flood Insurance Premium | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160048 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160084 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160096 | XXXX | Cash Disbursement Date | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160020 | XXXX | Cash Disbursement Date | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160092 | XXXX | Cash Disbursement Date | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10088994 | XXXX | Borrower 2 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10088994 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10088994 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10088994 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10088994 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10088994 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10088994 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10088994 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10088994 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10088994 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10089044 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10089044 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10089044 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10089044 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10089044 | XXXX | Prepayment Penalty Flag | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10089100 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10089100 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10089100 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106283 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106294 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106294 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106294 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106294 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106330 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106330 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106333 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106333 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106339 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106339 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106339 | XXXX | Monthly HOA $| propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106339 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106339 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106375 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106375 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106378 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106385 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106385 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10106385 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160025 | XXXX | Subject Property Gross Rental income | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160129 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160212 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160067 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160040 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160136 | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160136 | XXXX | Qualifying Rent Income Source | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160136 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160153 | XXXX | Cash Disbursement Date | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160188 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160188 | XXXX | Cash Disbursement Date | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160233 | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160233 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10083049 | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10083049 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10083049 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10083049 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160029 | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160029 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160121 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160160 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160037 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 9610764 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 9610764 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 9610764 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 9610764 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149845 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149845 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149846 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149846 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149846 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149850 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149855 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149855 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149856 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149862 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149862 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149862 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149862 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149864 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149864 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149864 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149864 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149866 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149867 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149867 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149870 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149870 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149870 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149870 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149870 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149870 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149870 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149873 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149873 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149873 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149873 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149874 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149874 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149875 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149881 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149884 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149885 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149885 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149885 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149885 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149886 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149886 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149886 | XXXX | Monthly HOA $| propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149886 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149886 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149886 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149887 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149887 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149887 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149887 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149887 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149888 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149889 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149891 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149891 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149892 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149894 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149894 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149894 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149894 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149895 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149897 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149897 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149901 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149901 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149901 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149901 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149901 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149902 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149902 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149904 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149908 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149909 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149910 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149910 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149914 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149915 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149915 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149915 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149918 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149918 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149919 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149920 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149923 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149923 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149924 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149924 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149924 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149924 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149924 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149924 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149924 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149926 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149930 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149931 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149931 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149931 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149931 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149931 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149931 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149931 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149931 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149932 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149936 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149936 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149937 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149937 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149938 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149938 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149938 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149939 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149939 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149941 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149941 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149941 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149943 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149943 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149943 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149943 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149943 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149943 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149944 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149944 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149944 | XXXX | Prepayment Penalty Flag | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149947 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149947 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149947 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149949 | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149950 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149950 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149950 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149950 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149950 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149950 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149951 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149951 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149951 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149951 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149951 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149951 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149953 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149953 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149953 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149954 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149956 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149960 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149960 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149962 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149962 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149962 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149962 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149963 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149963 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149963 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149963 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149963 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149963 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149963 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149964 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149964 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149964 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149964 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149964 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149964 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149965 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149965 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149965 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149966 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149966 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149966 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149966 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149967 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149967 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149967 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149968 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149969 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149969 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149969 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149969 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149969 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149971 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
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| XXXX | XXXX | 10149842 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| XXXX | XXXX | 10149842 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| XXXX | XXXX | 10149848 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149848 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149848 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| XXXX | XXXX | 10149849 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| XXXX | XXXX | 10149852 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149852 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149852 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149857 | XXXX | Sales Price | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149857 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149857 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149857 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149857 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149857 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149857 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149869 | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149869 | XXXX | Qualifying LTV | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149869 | XXXX | Number of Properties | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149869 | XXXX | Primary Appraised Property Value | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149869 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149869 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149869 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149900 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149900 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149900 | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149900 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149900 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149900 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149940 | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149940 | XXXX | Sales Price | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149940 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149940 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149940 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| XXXX | XXXX | 10149980 | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149980 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149980 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149981 | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10149981 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160044 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160087 | XXXX | Qualifying Rent Income Source | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160087 | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160087 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160113 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160113 | XXXX | Actual in Place Rent From Lease | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160142 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160207 | XXXX | Third Party Market Rent Estimate | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160207 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160242 | XXXX | Actual in Place Rent From Lease | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160026 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160049 | XXXX | Cash Disbursement Date | hudClosingDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160077 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160141 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10160251 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162518 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162518 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162520 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
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| XXXX | XXXX | 10162520 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162525 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162526 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162526 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162530 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162530 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162530 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162530 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162530 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162532 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162535 | XXXX | Qualifying Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162535 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162535 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162535 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162538 | XXXX | Loan Purpose | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162538 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
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| XXXX | XXXX | 10162540 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162540 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162540 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162540 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162540 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162542 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162542 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162542 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162542 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162542 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162542 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162542 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162548 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162548 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162548 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162549 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162549 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162550 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162550 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162550 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162550 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162550 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162551 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162553 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162553 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162554 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162555 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162555 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162555 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162557 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162559 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162564 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162565 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162566 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162567 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162567 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162567 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162568 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162568 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162568 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162570 | XXXX | Prepayment Penalty Calculation | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162570 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162571 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162572 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162572 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162576 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162576 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162580 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162581 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162582 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162583 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162583 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162585 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162587 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162589 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162590 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162593 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162594 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162594 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162594 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162594 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162596 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162597 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162597 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162597 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162597 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162597 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162597 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162599 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162599 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162599 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162599 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162599 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162599 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162599 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162599 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162599 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162600 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162600 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162601 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162601 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162602 | XXXX | Property City | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162602 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162602 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162607 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162607 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162608 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162608 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162610 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162610 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162610 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162612 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162612 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162612 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162614 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162614 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162615 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162615 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162616 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162617 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162617 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162617 | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162617 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162617 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162617 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162617 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162619 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162620 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162622 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162622 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162622 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162623 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162623 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162623 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162623 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162624 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162626 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162626 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162626 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162626 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162627 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162628 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162629 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162562 | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162562 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162562 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162562 | XXXX | Property Type | the1008Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162562 | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162562 | XXXX | Sales Price | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162562 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162562 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162562 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162562 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162579 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162579 | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162579 | XXXX | Primary Appraised Property Value | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162579 | XXXX | Total Monthly Property Insurance Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10162579 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10161147 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10161147 | XXXX | Borrower 1 FTHB | disclosuresPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194925 | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194925 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194925 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10179433 | XXXX | Borrower 1 Mailing Address Zip | 1003OcrPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10179433 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194930 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194930 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200602 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200602 | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200602 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200602 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200602 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200602 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200605 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200605 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200605 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200621 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200621 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200621 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200621 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200621 | XXXX | Monthly HOA $| propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200621 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200621 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200621 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200621 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200628 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200636 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200636 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200641 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200641 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200660 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200660 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10200660 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10179434 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10179434 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10179434 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194931 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194931 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194931 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194931 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194931 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194947 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194947 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10179335 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194949 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194949 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10194929 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10179515 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10179362 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10179362 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 10179362 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.7 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 10160013 |  |  | Closed | 2025-11-18 06:16 | 2025-11-25 01:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard insurance Policy Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Missing Hazard Insurance Policy The following property is missing a copy of the required insurance policy:<br> XXXX XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXX_XXXX_XXXX_XX_XXXXXXX_XXX.XXX |  |  | XXXX | Investment | Purchase | NA | 6286338 | N/A | N/A |
| XXXX | 10160034 |  |  | Closed | 2025-12-09 06:56 | 2026-01-09 01:51 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Borrower is Foreign national, and current address in loan application reflects in USA, Provided Updated Loan Application, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded corrected application reflecting borrowers primary address outside of the U.S. - Seller-XX/XX/XXXX <br>Open-Borrower is Foreign National, however Primary residence address in application reflects Borrower's US address. Please provide the updated application with Borrower Residence address reflecting foreign address which is required per G/L's. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded corrected application reflecting borrowers primary address outside of the U.S. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XX XXXXXXX XXXXXXXX, XXX XXXXXXX XXXXXXX XX XXXX XXXXXXXXXXX XXXXXXXX XX XXX, XXXXXXXX XXXXXXX XXXX XXXXXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXXXXX XXXX XXXXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 6545206 | N/A | N/A |
| XXXX | 10160184 |  |  | Closed | 2025-12-19 04:32 | 2025-12-30 06:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Signed final settlement statement provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. The required signed final settlement statement is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXX XXXXXXXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6701072 | N/A | N/A |
| XXXX | 10160023 |  |  | Closed | 2025-12-19 10:51 | 2025-12-29 11:15 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-Waived - Client has requested a XX% LTV exception. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - WJ - Uploaded a corrected Credit Memo reflecting an approved exception for DSCR and corrected Sizer - Seller-XX/XX/XXXX <br>Open-The lender used the HOA dues as an annual figure when the appraisal reflects monthly and the HOA certificate reflects $XXX monthly. The DSCR is .XXX which only permits up to XX% LTV and the LTV is XX%. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - WJ - Uploaded a corrected Credit Memo reflecting an approved exception for DSCR and corrected Sizer - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXX - XXXXXX XXX XXXXXXXXX X XX% XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXX XXXX.XXX_XXXXX_<br> XXXXXXX_XXXXX.XXX |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> $XX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6708364 | Originator Post-Close | Yes |
| XXXX | 10160023 |  |  | Closed | 2025-12-19 10:06 | 2025-12-29 08:36 | Resolved | 1 - Information C A | Credit | Credit | Missing subject rental income documentation | Resolved-Cleared - Client provided correct rent range and updated sizer. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. XX/XX/XX - WJ - Uploaded third party market rents for the subject with a corrected sizer - Seller-XX/XX/XXXX <br> Open-The rentrange is for XXXXX XXXX APT XXXX. The subject address is XXXXX XXXX Unit # XXXX. Missing third party market rent for XXXXX XXXX Unit # XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - WJ - Uploaded third party market rents for the subject with a corrected sizer - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX - XXXXXX XXXXXXXX XXXXXXX XXXX XXXXX XXX XXXXXXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXXXXXX.XXX_XXXXX_<br> XXXXXXX_XXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6707178 | N/A | N/A |
| XXXX | 10160183 |  |  | Closed | 2026-01-09 04:31 | 2026-02-02 02:33 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Secondary Valuation is missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXXXXXXXXX XXXX .XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7001059 | N/A | N/A |
| XXXX | 10160183 |  |  | Closed | 2026-01-09 03:12 | 2026-01-14 00:38 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Credit memo Is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo - Seller-XX/XX/XXXX <br>Open-Missing of credit memo document in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7000344 | N/A | N/A |
| XXXX | 10160048 |  |  | Closed | 2026-01-06 13:12 | 2026-01-09 10:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Per X.X.XXXX guidelines, DSCR to be above X.XX. Calculated DSCR is X.XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo with approved exception for reserve shortage and new corresponding sizer<br> - Seller-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Per Guidelines, DSCR to be above X.XX. Calculated DSCR is X.XXX. Discrepancy noted due to variance in flood insurance monthly premium amount. Per First Payment Letter, monthly amount of $XXX. Per Flood Insurance Policy, annual policy amount of $X,XXX/XX= $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo with approved exception for reserve shortage and new corresponding sizer<br> - Seller-XX/XX/XXXX<br>| XXXXXX-XXX X.X.XXXX XXXXXXXXXX, XXXX XX XX XXXXX X.XX. XXXXXXXXXX XXXX XX X.XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXX XXXX.XXX_XXXXX_<br> XXXXXXX_XXXXX.XXX |  | XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX%.<br> $XX,XXX.XX XXXX XXXXX XXXXXXXX XXXXXX XXX XXXXXXX X XXXXXX XX X.X XXXXXX XXXXXXX XXXXXXXXX XXX XXXXXXXX'X XXXX-XXX XXXXXXXX.<br> XXXX XXXXXXXX XXXXXXX XXX XXXX XX XXXXX | XXXX | Investment | Refinance | Cash Out - Other | 6943013 | Originator Post-Close | Yes |
| XXXX | 10160048 |  |  | Closed | 2026-01-06 00:12 | 2026-01-09 02:15 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Sizer Document is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Sizer - Seller-XX/XX/XXXX <br>Open-Sizer document is missing please proved updated doc. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Sizer - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6928489 | N/A | N/A |
| XXXX | 10160041 |  |  | Closed | 2026-01-13 08:46 | 2026-01-20 06:41 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-Client has requested an exception to g/l that to have a DSCR Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo with approved exception - Seller-XX/XX/XXXX<br>XXXXXX-XXXXXX XXX XXXXXXXXX XX XXXXXXXXX XX X/X XXXX XX XXXX X XXXX XXXXXXX_XXXXXX XXXX.XXX XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> $XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX. XXXX Investment Refinance Cash Out - Other 7062853 Originator Post-Close Yes |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10160041 |  |  | Closed | 2026-01-13 08:26 | 2026-01-16 11:25 | Resolved | 1 - Information B A | Credit | Credit | Incomplete application | Resolved-Client has provided an updated/corrected application showing the CB with a foreign mailing address. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. X/XX JM - Uploaded updated application reflecting the co-borrower's primary residence address in XXXX. - Seller-XX/XX/XXXX <br> Open-The guidelines require a Foreign National to have a primary address outside of the US. The borrowers primary address is shown in XXXXXXXXXXXXXX. The loan ile is missing the application with a non US primary address. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX JM - Uploaded updated application reflecting the co-borrower's primary residence address in XXXX. - Seller-XX/XX/XXXX | XXXXXXXX-XXXXXX XXX XXXXXXXX XX XXXXXXX/XXXXXXXXX XXXXXXXXXXX XXXXXXX XXX XX XXXX X XXXXXXX XXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX - XXXXXXX XXXX XXXXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7062229 | N/A | N/A |
| XXXX | 10160084 |  |  | Closed | 2026-01-14 01:58 | 2026-02-02 03:44 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations Missing secondary appraisal. need secondary appraisal for Securitizations - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXX & XXX X XXXXXXXX XX .XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7080944 | N/A | N/A |
| XXXX | 10160096 |  |  | Closed | 2026-01-14 10:12 | 2026-01-16 11:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Client has provided the final signed settlement statement. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. The loan file contains the borrowers estimated settlement statement however the final signed settlement statement is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXX XXXXXXXX XXX XXXXX XXXXXX XXXXXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXX_XXXXX_XXX_XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7088916 | N/A | N/A |
| XXXX | 10160096 |  |  | Closed | 2026-01-14 02:10 | 2026-01-16 02:57 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation is Missing in file, provided SSR, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Second Appraisal/ Valuation is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXX XXXXXXXX XXX .XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7080985 | N/A | N/A |
| XXXX | 10160092 |  |  | Closed | 2026-01-17 02:48 | 2026-01-25 06:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception for LTV being above XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX JM - Uploaded updated CM reflecting LTV exception approval with compensating factors. - Seller-XX/XX/XXXX <br>Open-Audited CLTV Exceeds Guideline CLTV Subject loan is investment purchase with fixed only loan DSCR is X.XXX and max LTV as per guideline is XX%. LTV is at XX% exceeds guideline minimum requirement with DSCR less than X.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX JM - Uploaded updated CM reflecting LTV exception approval with compensating factors. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXX XXX XXXXX XXXXX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX - XXXXXXX XX.XXX |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> $XX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX XXXXXXX XXX XXXXXXX XX X XXXXXX XXXX XXX XXXXXXXX XXXXXXX. | XXXX | Investment | Purchase | NA | 7153081 | Originator Pre-Close | Yes |
| XXXX | 10088994 |  |  | Closed | 2026-01-21 09:20 | 2026-02-19 10:01 | Acknowledged | 2 - Non-Material C B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open-The loan is signed by a LLC not a corporation. - Due Diligence Vendor-XX/XX/XXXX <br> Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Purchase | NA | 7206098 | Originator Post-Close | No |
| XXXX | 10088994 |  |  | Closed | 2026-01-21 10:51 | 2026-02-10 06:39 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We have two full secondary appraisals instead of a secondary CDA value. Uploaded here. - Seller-XX/XX/XXXX <br>Counter-Per the ROC guidelines, a Collateral Desktop Analysis (CDA) is required for all X-X Unit Residential Properties. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Secondary valuation isn't required as this is a purchase transaction - Seller-XX/XX/XXXX <br>Open-Provide Secondary valuation. Secondary valuation missing in file. Per the guidelines on page XX an appraisal risk review or a collateral desktop analysis is required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. We have two full secondary appraisals instead of a secondary CDA value. Uploaded here. - Seller-XX/XX/XXXX <br>Ready for Review-Secondary valuation isn't required as this is a purchase transaction - Seller-XX/XX/XXXX<br>| _XXXXX_ | XXXXXX.XXXXXXXXX.XX-XX XXXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXX XXXX XXXXXX (XXX) XX XXXXXXXXXX XXXXXXX XXXXXXXX (XXX).XX-XX XXXXXX XXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7217833 | N/A | N/A |
| XXXX | 10088994 |  |  | Closed | 2026-01-21 09:53 | 2026-02-09 06:27 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Funds entered - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cash out from a different transaction has been used for the cash to close, HUD uplaoded. - Seller-XX/XX/XXXX <br>Open-The subject property is a purchase. Per the Guidelines X months of reserves are required for a purchase. Upon review of the file there is only one bank account on page XX showing a balance of $X,XXX.XX. The total PITIA is $X,XXX.XX therefore X months of reserves is $XX,XXX.XX. There is no proof of the earnest money being verified in the amount of $XXX,XXX. The documentation in the file does not support the down payment of $XXX,XXX, the amount of reserves required in the amount of $XX,XXX.XX nor the wire and/or other documentation to support the earnest money in the amount of $XXX,XXX. Please provide sufficient assets to cover the down payment, required reserves and the earnest money deposit. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cash out from a different transaction has been used for the cash to close, HUD uplaoded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7208967 | N/A | N/A |
| XXXX | 10106294 |  |  | Closed | 2026-02-01 01:26 | 2026-02-18 09:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Confirmed Insurance listed on HUD is hazard insurance amount. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The insurance amount of $XXX.XX, collected is the X months reserve of the hazard inurance and not mortage insurace. i,e - $X,XXX.X/XX\*X - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. The HUD-X in file shows $XXX.XX as mortgage insurance, but the loan has no MI. This appears to be hazard insurance. Provide an updated HUD-X/settlement statement with correct insurance info. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The insurance amount of $XXX.XX, collected is the X months reserve of the hazard inurance and not mortage insurace. i,e - $X,XXX.X/XX\*X - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXXXXXXX XXXXXX XX XXX XX XXXXXX XXXXXXXXX XXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7388457 | N/A | N/A |
| XXXX | 10106296 |  |  | Closed | 2026-01-28 01:39 | 2026-02-13 06:11 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Credit Report is Partially Present. Credit report date of XX-XX-XXXX is after the note date of XX-XX-XXXX. Provide the credit report prior to consummation of the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7324590 | N/A | N/A |
| XXXX | 10106296 |  |  | Closed | 2026-01-28 02:00 | 2026-02-13 04:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-LTV Exceeds GL minimum LTV of XX% for Fico XXX, i.e., XXX, Max LTV is XX% which meets GL's, changes made in system, Finding Resolved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved- - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit report with XXX FICO uploaded - Seller-XX/XX/XXXX <br>Open-Audited LTV Exceeds Guideline LTV Per guideline page X, the maximum LTV allowed for a purchase transaction is XX% when the FICO score is between XXX and XXX. However, the loan file reflects a FICO score of XXX with an LTV of XX%, which exceeds the maximum allowable LTV of XX%. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit report with XXX FICO uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXX XX XXXXXXX XXX XX XX% XXX XXXX XXX, X.X., XXX, XXX XXX XX XX% XXXXX XXXXX XX'X, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7324640 | N/A | N/A |
| XXXX | 10106299 |  |  | Closed | 2026-02-11 07:33 | 2026-02-24 07:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br> Resolved-Evidence of Rent increase was provided. Issue resolved. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Rent has been increased from $XXX per month to $XXX. - Seller-XX/XX/XXXX <br> Counter-Lease Agreements received. The Lease for XXXX is stated, per the document [XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX], to be $XXX per month. However, qualifying rent for that unit appears to be $XXX. Additional information needed to clear this discrepancy. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Lease docs for all X units uploaded. - Seller-XX/XX/XXXX <br> Open-Property is a X-unit dwelling. Lease Agreements received for XXXX Lease Agreement is missing for XXXX Audit is unable to determine the qualifying rent the lender used with the documents provided. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Rent has been increased from $XXX per month to $XXX. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Lease docs for all X units uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXXXXXX XXX XXXXXXXX. XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX_XXXXXXXX_XXXXXXX_X_XXXX_XXXXXX (X).XXX |  |  | XXXX | Investment | Purchase | NA | 7558110 | N/A | N/A |
| XXXX | 10106339 |  |  | Closed | 2026-02-05 06:26 | 2026-02-10 06:55 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Documentation provided to support the hoa difference which was causing the difference in calculation of the DSCR amount. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Agreed to the calculated DSCR of X.XXX. - Seller-XX/XX/XXXX <br>Open-The lender calculated the DSCR as X.XXX versus the auditor calculated DSCR as X.XXX. This is due to the discrepancy of the HOA fees that were calculated using $XXX annually and not $XXX monthly. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Agreed to the calculated DSCR of X.XXX. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXXX XXXXXXXX XX XXXXXXX XXX XXX XXXXXXXXXX XXXXX XXX XXXXXXX XXX XXXXXXXXXX XX XXXXXXXXXXX XX XXX XXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7460129 | N/A | N/A |
| XXXX | 10106339 |  |  | Closed | 2026-02-05 06:16 | 2026-02-10 06:55 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Documentation provided to support the $XXX monthly payment. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. It is XXX monthly, uploaded HOA document. - Seller-XX/XX/XXXX <br>Open-HOA Fee difference exsits between validated HOA and documents The lender used $XX.XX, or $XXX annual. But the Appraisal says $XXX monthly. No information in file to justify the fee being paid annually. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. It is XXX monthly, uploaded HOA document. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXXX XXXXXXXX XX XXXXXXX XXX $XXX XXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX XXX XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7459921 | N/A | N/A |
| XXXX | 10106383 |  |  | Closed | 2026-02-01 00:31 | 2026-02-24 13:49 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXXXXX XXXXXXX XXX XXXXXXXXXXXX XX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7388417 | Originator Post-Close | No |
| XXXX | 10106385 |  |  | Closed | 2026-02-03 08:02 | 2026-02-12 07:21 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-The client has provided the missing QCD. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Quitclaim Deed Uploaded - Seller-XX/XX/XXXX <br>Open-Property Title Issue The loan file is missing the quit claim deed for the subject property from XXXXXXXXXXXXXXX to XXXXXXXXXXXXXXXXXXXXXXXX. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Quitclaim Deed Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XXX XXXXXXXX XXX XXXXXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7416193 | N/A | N/A |
| XXXX | 10106385 |  |  | Closed | 2026-02-03 07:54 | 2026-02-12 07:20 | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Client has provided the operating agreement. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. OA Uploaded - Seller-XX/XX/XXXX <br>Open-The loan file is missing the operating agreement for XXXXXXXXXXXXXXXXXXXXXXXX. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. OA Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7415902 | N/A | N/A |
| XXXX | 10106389 |  |  | Closed | 2026-02-04 04:46 | 2026-03-02 08:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Closing detail Statement is Missing in file, provided the same, changes made in system, Finding Resolved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. HUD uploaded - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. Settlement statement is missing from the file. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. HUD uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXX XXXXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX - XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7432206 | N/A | N/A |
| XXXX | 10106389 |  |  | Closed | 2026-02-10 11:00 | 2026-02-24 15:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The documentation received was sufficient to resolve the finding. Funding statement. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uplaoded cashout HUD from a different transaction for the requried reserves. - Seller-XX/XX/XXXX <br>Open-GL requires X months of reserves. With the provided settlement statement requiring funds to close the reserve requirement was not sufficient with the asset provided in the file. Provide additional X months reserves of $XX,XXX.XX. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uplaoded cashout HUD from a different transaction for the requried reserves. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXXXXXX XXX XXXXXXX. XXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXX (X).XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7541670 | N/A | N/A |
| XXXX | 10160212 |  |  | Closed | 2026-02-11 07:19 | 2026-03-02 01:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Purchase Contract | Resolved-Purchase Contract Missing in file, Provided the same, changes made in system, Finding Resolved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Purchase contract is missing in the file. There is a partial in File Uploads Zip folder, however the other portion of the document does not open. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7557680 | N/A | N/A |
| XXXX | 10160107 |  |  | Closed | 2026-02-05 07:23 | 2026-02-12 05:34 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-As per Credit memo borrower is no experienced, but loan application shows as experienced, provided updated reo schedule with no experience, Changes made in system, Finding Resolved - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - WJ - RESCIND FINDING PLEASE - UW qualified borrower with zero experience, uploaded Experience Addendum - XXXXXX-XX/XX/XXXX <br>Open-As per the provided Credit memo on page#XXX borrower experience is X but loan application lists X REO. As of now, considered the borrower as experienced. Required updated credit memo with borrower experience. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - WJ - RESCIND FINDING PLEASE - UW qualified borrower with zero experience, uploaded Experience Addendum - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XX XXX XXXXXX XXXX XXXXXXXX XX XX XXXXXXXXXXX, XXX XXXX XXXXXXXXXXX XXXXX XX XXXXXXXXXXX, XXXXXXXX XXXXXXX XXX XXXXXXXX XXXX XX XXXXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXXXXXX XXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7461761 | N/A | N/A |
| XXXX | 10160153 |  |  | Closed | 2026-02-05 09:57 | 2026-02-19 08:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Settlement statement is missing in file, provided the same, changes made in system, Finding Resolved - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Closing Doc is Missing. The loan file is missing the final settlement statement. Please note without the settlement statement it can't be determined if the borrower has sufficient assets for closing and reserves. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXX_XXXXXXX_XXXXX_XXXXXX_XXX_XXXXXXX.XXX_XXXXX_<br> XXXXXXX_XXXX_XXXXX_XXXXXX_XXX_XXXXXXX.XXX_XXXXX_<br> XXXXXXX_XXXX_XXXXX_XXXXXX_XXX_XXXXXXX.XXX_XXXXX_<br> XXXXXXX_XXXX_XXXXXXX_XXXXX_XXXXXX_XXX_XXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7470043 | N/A | N/A |
| XXXX | 10160153 |  |  | Closed | 2026-02-05 09:37 | 2026-02-19 03:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-DOT is missing in file, provided the same, changes made in system, Finding Resolved - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Deed of Trust is Missing The loan file is missing the Deed of Trust. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXX_XXXX_XXXXXXXXXX_XX.XXX |  |  | XXXX | Investment | Purchase | NA | 7468002 | N/A | N/A |
| XXXX | 10160158 |  |  | Closed | 2026-02-05 06:01 | 2026-02-12 05:40 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-As per Credit memo borrower is no experienced, but loan application shows as experienced, provided updated reo schedule with no experience, Changes made in system, Finding Resolved - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded experience addendum which reflects zero experience - XXXXXX-XX/XX/XXXX <br>Open-There is a discrepancy in the borrower's experience designation. Per the credit memo, the borrower is listed as having no experience. However, the application lists the borrower with X properties. The borrower's experience must be confirmed along with any required documentation. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded experience addendum which reflects zero experience - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XX XXX XXXXXX XXXX XXXXXXXX XX XX XXXXXXXXXXX, XXX XXXX XXXXXXXXXXX XXXXX XX XXXXXXXXXXX, XXXXXXXX XXXXXXX XXX XXXXXXXX XXXX XX XXXXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXXXXXX XXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7459506 | N/A | N/A |
| XXXX | 10160188 |  |  | Closed | 2026-02-26 19:26 | 2026-03-03 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Credit Memo reflects borrower qualified with no experience. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - The subject transaction is a refinance which requires it to be on the REO schedule. The Credit Memo reflects 'No Experience" for the borrower which is correct. The loan is classified properly. - XXXXXX-XX/XX/XXXX <br>Open-Borrower experience of X property used for qualification located at XXX X XXXXXXX XXX does not show XX-month ownership. Property acquired X/X/XXXX. Per Guidelines, X property with a minimum of XX- months ownership term is required. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - The subject transaction is a refinance which requires it to be on the REO schedule. The Credit Memo reflects 'No Experience" for the borrower which is correct. The loan is classified properly. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXXX XXXX XX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7836013 | N/A | N/A |
| XXXX | 10160188 |  |  | Closed | 2026-02-13 08:15 | 2026-02-25 23:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-per Credit memo in file, borrower is experienced, with X property, provided updated Credit memo stating borrower is No Experience, changes made in system, Finding Resolved - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded corrected Credit Memo which reflects X property for experience since the subject is a duplex. - XXXXXX-XX/XX/XXXX <br>Open-Property Detail Report for X properties used for borrower experience not provided. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded corrected Credit Memo which reflects X property for experience since the subject is a duplex. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XXXX XX XXXX, XXXXXXXX XX XXXXXXXXXXX, XXXX X XXXXXXXX, XXXXXXXX XXXXXXX XXXXXX XXXX XXXXXXX XXXXXXXX XX XX XXXXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7608412 | N/A | N/A |
| XXXX | 10160188 |  |  | Closed | 2026-02-12 21:32 | 2026-02-23 03:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Guaranty Agreement Document uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement Doc is Missing. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7599360 | N/A | N/A |
| XXXX | 10160233 |  |  | Closed | 2026-02-12 20:42 | 2026-02-19 01:13 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Credit Memo is Missing in file, provided the same, changes made in system, Finding Resolved - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo - XXXXXX-XX/XX/XXXX <br>Open- Credit memo & sizer Documents are Missing in Loan file Please Provide the Updated Documents<br>- XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7599165 | N/A | N/A |
| XXXX | 10160205 |  |  | Closed | 2026-02-13 13:26 | 2026-03-16 14:18 | Resolved | 1 - Information C A | Credit | Credit | Foreign National Guidelines for Individual Borrowers not met | Resolved-Lender provided loe for ssn and updated address for primary that is outside the US. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded LOE regarding SSN and primary address addendum - XXXXXX-XX/XX/XXXX <br>Open-The loan application reflects the borrower is a foreign national. Per guidelines dated XX/XX/XX, If borrower/sponsor has an SSN, borrower/sponsor must provide an LOE explaining why an SSN was issued instead of an ITIN. Primary residence address is in a foreign country and not in the U.S.<br> The loan application reflects a US address for the primary. Missing letter of explanation for why an ssn was issued instead of an ITIN. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded LOE regarding SSN and primary address addendum - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXX XXX XXX XXX XXXXXXX XXXXXXX XXX XXXXXXX XXXX XX XXXXXXX XXX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXX XXXXXXXXX XXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7617166 | N/A | N/A |
| XXXX | 10160205 |  |  | Closed | 2026-02-12 14:33 | 2026-02-19 00:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Credit Memo | Resolved-Credit Memo is Missing in file, provided the same, changes made in system, Finding Resolved - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo - XXXXXX-XX/XX/XXXX <br>Open-Credit memo is missing. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7593557 | N/A | N/A |
| XXXX | 10083049 |  |  | Closed | 2026-02-04 22:38 | 2026-02-11 07:40 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Guarantor owns business XXX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Ownership of Company - shows borrower is XXX% owner of company. - Seller-XX/XX/XXXX <br>Counter-need letter for use of assets, "Please provide LOE or additional assets/reserves. Unable to verify the ownership % of the business. Provide the letter of explanation showing the borrower has authorized access to all funds from Business accounts #XXX-SXX & XXX-SXX (XXXXXXXXXXXXXXX XXXXXXX XXX #XX & XXX) ." - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX <br>Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Unable to verify the ownership % of the business. Provide the letter of explanation showing the borrower has authorized access to all funds from Business accounts #XXX-SXX & XXX-SXX (XXXXXXXXXXXXXXX XXXXXXX XXX #XX & XXX) as per XX X.XX.XXXX page #XX. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Ownership of Company - shows borrower is XXX% owner of company. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXX XXXXXXXX XXX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX XXXXXX XXXX-XXXXXXXXXX-XXXX-XXXXXX-X(X).XXX_XXXXX_<br> XXXXXXXXX XX XXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7454120 | N/A | N/A |
| XXXX | 10083049 |  |  | Closed | 2026-02-04 21:45 | 2026-02-10 02:49 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested title document with coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $X is Less than Loan Amount $XXXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXX XXXXXXXX XXXX XXXXXXXX XXXXXX XXXX XXXXXX XXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX XXXXXX XXXX-XXXXXXXXXX-XXXX-XXXXXX-X(X).XXX |  |  | XXXX | Investment | Purchase | NA | 7453873 | N/A | N/A |
| XXXX | 10160121 |  |  | Closed | 2026-02-14 11:32 | 2026-03-11 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-X/XX/XX - XX - RESCIND FINDING PLEASE - U.S. identification is not needed since borrower is a XXXX citizen and a passport and all other documentation has been provided and is in the file. - Seller-XX/XX/XXXX <br> Counter-Finding for missing photo identification for Borrower X. Please provide US identification document for Borrower X. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. X/XX/XX - XX - RESCIND FINDING PLEASE - XX uses Xxxxxxxxxx Choice of Law Provisions, therefore a PP is permitted by law. Please refer to the uploaded explanation. - Seller-XX/XX/XXXX <br> Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide US identification document for borrower as it is not in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-X/XX/XX - XX - RESCIND FINDING PLEASE - U.S. identification is not needed since borrower is a XXXX citizen and a passport and all other documentation has been provided and is in the file. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. X/XX/XX - XX - RESCIND FINDING PLEASE - XX uses Xxxxxxxxxx Choice of Law Provisions, therefore a PP is permitted by law. Please refer to the uploaded explanation. - Seller-XX/XX/XXXX | XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXXXXXX XXXXXX XX XXX XXXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7622773 | N/A | N/A |
| XXXX | 10160121 |  |  | Closed | 2026-02-18 15:22 | 2026-03-02 19:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Application | Resolved-REO schedule provided to support X property exit used for borrower experience. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/X/XX - XX - RESCIND FINDING PLEASE - Please refer to page XXX which is an updated REO addendum and indicates one property owned more than XX months is used to support borrower experience. - Seller-XX/XX/XXXX <br>Open-Credit Memo reflects borrower experience as X property exit. Initial XXXX provides X property exits (first property exit does not provide physical property address). Provide Final XXXX confirming property exits used to qualify borrower. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-X/X/XX - XX - RESCIND FINDING PLEASE - Please refer to page XXX which is an updated REO addendum and indicates one property owned more than XX months is used to support borrower experience. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX XXXXXXXX XX XXXXXXX X XXXXXXXX XXXX XXXX XXX XXXXXXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7686052 | N/A | N/A |
| XXXX | 10160121 |  |  | Closed | 2026-02-14 10:45 | 2026-03-02 19:15 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-RESCIND FINDING PLEASE - XX uses Xxxxxxxxxx Choice of Law Provisions, therefore a PP is permitted by law. - Seller-XX/XX/XXXX <br>Open-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-RESCIND FINDING PLEASE - XX uses Xxxxxxxxxx Choice of Law Provisions, therefore a PP is permitted by law. - Seller-XX/XX/XXXX<br>| XXXXXXXXXXXX-XXX XXX XXX.XXX(X)(X), XXX XXXXXXXXXX XXXXXXXXX XX XXXXX XXXXX XXX XXXXXXXXXX XX XX XXXXXXX X% XX XXXXXXXX XX XXX XXXXXX XX XXX XXXXXXXXXX XXXX XXXXXX X XXXXX XX XXX XXXX XX XXX XXXX XX XXX XXXX XXXXXXXXXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7622690 | Investor Post-Close | No |
| XXXX | 10160091 |  |  | Closed | 2026-02-18 14:51 | 2026-03-02 19:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Total asset reserves outside of Guidelines. Credit exception made with compensating factors. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to the UW notes on the Credit Memo where the UW grants an exception for shortage in reserves which is within UW authority - Seller-XX/XX/XXXX <br>Open-Per guidelines, X total months of reserves required due to credit score < XXX. Total verified assets of $XX,XXX.XX. Total required reserves of $XX,XXX.XX. Shortage of $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-X/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to the UW notes on the Credit Memo where the UW grants an exception for shortage in reserves which is within UW authority - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXX XXXXX XXXXXXXX XXXXXXX XX XXXXXXXXXX. XXXXXX XXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX%.<br> XXXXXXXX XXX XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX X XXXXX.<br> XXXXXXXX XXX X XXXXX XX XXXXXXXXXX XXXX XX XXXXXXXXXX XXXXXXXXXX.  | XXXX | Investment | Refinance | Cash Out - Other | 7685721 | Investor Post-Close | No |
| XXXX | 10160091 |  |  | Closed | 2026-02-17 18:29 | 2026-02-27 02:42 | Resolved | 1 - Information B A | Credit | Credit | Incomplete application | Resolved-Property profile Report for "XXX Xxxxxx Xxx XX" uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded requested property profile - Seller-XX/XX/XXXX <br>Open-Property Profile Report missing for property address: XXX Xxxxxx Xxx XX, XXXXXXX, XX XXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded requested property profile - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXXXX XXX "XXX XXXXXX XXX XX" XXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XX - - XXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7669496 | N/A | N/A |
| XXXX | 10149843 |  | 10149843 | Closed | 2026-02-11 01:04 | 2026-02-20 02:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated Asset statement for XXXX XXXXXXX #XXXX uploaded, Audited reserves are greater than the guideline reserves, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This is a cash out refi<br> XX% of borrower cash out at close - $X,XXX.X + X Months of PITI = $X,XXX.X<br> The other X months were collected at closing. Total required $X,XXX.X <br> Verified reseves = $XXK. (Attached bank statement) - Seller-XX/XX/XXXX <br>Open-The guideline Guarantor Liquidity requires X months PITIA reserves. The loan need $XX,XXX.XX in reserves and has $X,XXX.XX (lor X.XX months) and is short reserves in the amount of $X,XXX.XX (or X.XX months). Reserves from settlement statement already taken into consideration. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. This is a cash out refi<br> XX% of borrower cash out at close - $X,XXX.X + X Months of PITI = $X,XXX.X<br> The other X months were collected at closing. Total required $X,XXX.X <br> Verified reseves = $XXK. (Attached bank statement) - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXXXXX XXX XXXX XXXXXXX #XXXX XXXXXXXX, XXXXXXX XXXXXXXX XXX XXXXXXX XXXX XXX XXXXXXXXX XXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX XXXX (XXXXXXXXXXX XXXXXXX).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7552977 | N/A | N/A |
| XXXX | 9610764 |  | 9610764 | Closed | 2026-03-05 05:53 | 2026-03-09 15:03 | Resolved | 1 - Information A | Credit | Title | Title Effective Date is greater than Note Date | Resolved-Final Title Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The title policy date corresponds to the mortgage recording date. This is correct even though the policy date is after the loan funding date, as title policies are typically issued after the mortgage has been recorded in the public records. Uploaded recorded mortgage. - Seller-XX/XX/XXXX <br>Open-Title Effective Date is greater than Note Date of XX-XX-XXXX . Finding added. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The title policy date corresponds to the mortgage recording date. This is correct even though the policy date is after the loan funding date, as title policies are typically issued after the mortgage has been recorded in the public records. Uploaded recorded mortgage. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXX.XXX_XXXXX_<br> XXXXX XXXXX XXXXXX (X).XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7939854 | N/A | N/A |
| XXXX | 10149845 |  | 10149845 | Closed | 2026-02-12 01:05 | 2026-03-01 22:55 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Invalid Condition, for Rate & term transactions XX% is qualifying LTV if Qualifying FICO >=XXX, LRA updated cash out guidelines but the loan is rate & term, changes made & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit report with XXX fico uploaded. - Seller-XX/XX/XXXX <br>Open-Audited LTV Exceeds Guideline LTV The subject property reflects an LTV of XX.XX%, and the borrower's FICO score is XXX. Per guidelines, the maximum allowable LTV is XX% for borrowers with a FICO score greater than XXX but below XXX. No exception approval for exceeding the LTV limit was found in the file. Please provide the missing exception to approve an LTV over XX%. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit report with XXX fico uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXXXX, XXX XXXX & XXXX XXXXXXXXXXXX XX% XX XXXXXXXXXX XXX XX XXXXXXXXXX XXXX >=XXX, XXX XXXXXXX XXXX XXX XXXXXXXXXX XXX XXX XXXX XX XXXX & XXXX, XXXXXXX XXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXX.XXX |  |  | XXXX | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7576082 | N/A | N/A |
| XXXX | 10149846 |  | 10149846 | Closed | 2026-03-09 14:03 | 2026-03-11 10:13 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Primary Value Appraisal is Expired, Check XXXXX Completion date if available to confirm if expired. (Days Difference is XXX) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXX XXXXXXXXX XX XXX XXXXXXX XX XXXXXXX XXXXXXXXX XXXX XXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8005606 | N/A | N/A |
| XXXX | 10149846 |  | 10149846 | Closed | 2026-03-09 14:03 | 2026-03-11 10:13 | Resolved | 1 - Information C A | Property | Appraisal | Second Appraisal is Expired | Resolved-Secondary Value Appraisal is Not Expired Or Secondary Valuation Does Not Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Secondary Value Appraisal is Expired (Days Difference is XXX) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXX XXXXXXXXX XX XXX XXXXXXX XX XXXXXXXXX XXXXXXXXX XXXX XXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8005609 | N/A | N/A |
| XXXX | 10149846 |  | 10149846 | Closed | 2026-02-12 02:31 | 2026-03-03 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower X Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Credit report uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Missing credit report for XXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXXXXXX XXXXX is not a guarantor, which is why there is no credit report - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Credit Report is Missing. Credit Report is missing in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Credit report uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXXXXXX XXXXX is not a guarantor, which is why there is no credit report - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7576779 | N/A | N/A |
| XXXX | 10149856 |  | 10149856 | Closed | 2026-02-11 13:35 | 2026-03-03 13:42 | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Client has provided the updated Operating Agreement that shows borrower ownership. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Executed OA uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-The operating agreement provided is the same one in the file with the exception that the company name has been added to the template. The document is still not executed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Operating entity addendum uploaded with signature and ownership details. - XXXXXX-XX/XX/XXXX <br>Open-The Operating Agreement that is in the loan file is blank as it appears to be a template document. The loan file is missing the complete, fully executed operating agreement for XXXX XXXXXXXX XXXXXXXX XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Executed OA uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Operating entity addendum uploaded with signature and ownership details. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXX XXXXXXXX XXX XXXXXXX XXXXXXXXX XXXXXXXXX XXXX XXXXX XXXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7567192 | N/A | N/A |
| XXXX | 10149856 |  | 10149856 | Closed | 2026-02-11 00:17 | 2026-03-03 06:22 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. Prepayment updated as per Note Document PG#XXX As X-X-X-X-X Finding is State specific <br> there is No state Specific Guideline regarding XX State <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXX XXX.XXX(X)(X), XXX XXXXXXXXXX XXXXXXXXX XX XXXXX XXXXX XXX XXXXXXXXXX XX XX XXXXXXX X% XX XXXXXXXX XX XXX XXXXXX XX XXX XXXXXXXXXX XXXX XXXXXX X XXXXX XX XXX XXXX XX XXX XXXX XX XXX XXXX XXXXXXXXXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7552696 | Originator Post-Close | No |
| XXXX | 10149856 |  | 10149856 | Closed | 2026-02-11 13:41 | 2026-02-18 08:09 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Client has provided the dec page to show that the borrower has sufficient rent loss coverage. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Highlighted the loss of rent coverage amount. This coverage is written on a commerical property form therofore its called Business Income the borrower carries XX% of building coverage whichis XXk a year which is more than the calculated amount of monthly gross rent. - XXXXXX-XX/XX/XXXX <br>Open-The guideline Business Interruption Insurance requires rent loss coverage. The HOI policy provided (pg XXX) states under fair rental income protection to "refer to policy" however there is no additional documentation to show that the borrower has rent loss coverage. The loan file is missing evidence of rent loss insurance coverage for XX months. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Highlighted the loss of rent coverage amount. This coverage is written on a commerical property form therofore its called Business Income the borrower carries XX% of building coverage whichis XXk a year which is more than the calculated amount of monthly gross rent. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXX XXXXXXXX XXX XXX XXXX XX XXXX XXXX XXX XXXXXXXX XXX XXXXXXXXXX XXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX+XX+XXXXXXXX+XXXXXXXXX+XXXXX+XX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7567293 | N/A | N/A |
| XXXX | 10149862 |  | 10149862 | Closed | 2026-02-16 21:34 | 2026-05-22 09:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Document Uploaded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Closing Doc is Missing. Final CD absent from the file.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7644452 | N/A | N/A |
| XXXX | 10149862 |  | 10149862 | Closed | 2026-02-17 12:58 | 2026-02-18 08:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Document is missing Title policy in the file is proforma. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7661719 | N/A | N/A |
| XXXX | 10149884 |  | 10149884 | Closed | 2026-02-12 06:06 | 2026-02-19 12:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-received Settlement statement for cashout refi of other investment property - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. $X,XXX in verified liquidity - as of XX XXXXXXXX XXXX - XXXX XXXX (XXXXXX). There is an additional liquidity from cash out deal. HUD attached - XXXXXX-XX/XX/XXXX <br>Open-Audited reserves of X months is less than guideline reserves of X months. Need additional assets to meet reserve requirement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. $X,XXX in verified liquidity - as of XX XXXXXXXX XXXX - XXXX XXXX (XXXXXX). There is an additional liquidity from cash out deal. HUD attached - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXXXX XXXXXXXXX XXX XXXXXXX XXXX XX XXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXX_XXXXXXXXXXX.XXX_XXXXX_<br> XXXX XXXXXXXXX - XXXXXXXX.XXX_XXXXX_<br> XXXX XXXXXXXXX - XXXXXXXX (X).XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7579786 | N/A | N/A |
| XXXX | 10149885 |  | 10149885 | Closed | 2026-02-12 00:20 | 2026-03-02 07:18 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Asset from proceeds other property used for reserves and entered in system. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cahout HUD with entity supporting documents uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Provide supporting documentation for proof of ownership from other transaction proceeds. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. $X,XXX in verified liquidity - as of XX XXXXXXXX XXXX - XXXX XXXX (XXXXXX). There is an additional liquidity from cash out deal. HUD attached - XXXXXX-XX/XX/XXXX <br>Open-As per Guidelines X months reserves are required, but assets are short by X.XX months ($X,XXX.XX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cahout HUD with entity supporting documents uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. $X,XXX in verified liquidity - as of XX XXXXXXXX XXXX - XXXX XXXX (XXXXXX). There is an additional liquidity from cash out deal. HUD attached - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXX XXXXXXXX XXXXX XXXXXXXX XXXX XXX XXXXXXXX XXX XXXXXXX XX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXX_XXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7575882 | N/A | N/A |
| XXXX | 10149888 |  | 10149888 | Closed | 2026-02-12 01:21 | 2026-02-18 00:13 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Credit Report in file is after the note dated, Provided initial Credit report which is less than note date of XX/XX/XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit report prior to note date uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Credit Report is Partially Present. Credit report date of XX-XX-XXXX is after the note date of XX-XXX-XXXX. Provide the credit report prior to consummation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit report prior to note date uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXX XX XXXX XX XXXXX XXX XXXX XXXXX, XXXXXXXX XXXXXXX XXXXXX XXXXXX XXXXX XX XXXX XXXX XXXX XXXX XX XX/XX/XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7576214 | N/A | N/A |
| XXXX | 10149908 |  | 10149908 | Closed | 2026-02-14 04:20 | 2026-03-02 05:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Requested BX Photo ID card provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DL's uplaoded - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower X Photo Identification Missing. Provide valid photo identification per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DL's uplaoded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XX XXXXX XX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX'X.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7621994 | N/A | N/A |
| XXXX | 10149908 |  | 10149908 | Closed | 2026-02-14 04:20 | 2026-03-02 05:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Requested BX Photo ID card provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DL Uplaoded - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower X Photo Identification Missing. Provide valid photo identification per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DL Uplaoded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XX XXXXX XX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX'X.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7621995 | N/A | N/A |
| XXXX | 10149909 |  | 10149909 | Closed | 2026-02-10 12:57 | 2026-02-18 13:16 | Resolved | 1 - Information C A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-Updated statement for XXXXXXXX XXXX #XXXX from X/XX/XXXX received. Updated the balance. Cash to Close & Reserves are now sufficient. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. MR XXXXX XXXXXXXX XXXk Savings account [xxxxXHXX]: $XX,XXX<br> XXXXX XXXXXXXX [xxxxXXXX]: $X,XXX(Oct and Nov Bank statement)<br> XXXXX XXXXXXXX [xxxxXXXX]: $XX,XXX. There is enough liquidity to cover the reserves - Seller-XX/XX/XXXX <br>Open-Loan is short assets needed to close. Per the Settlement Statement, a total of $XXX,XXX.XX is needed to close. Assets provided are: XXXX Checking #XXXX for $X,XXX.XX + XXXX Savings #XXXX for $X,XXX.XX + XXXXXXXX XXXX #XXXX for $XXX.XX + XXXXXXX / XXXX XX XXXXXXX IRA for XX of $XX,XXX.XX or $XX,XXX.XX, for a total of $XX,XXX.XX. The loan is short funds to close by $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. MR XXXXX XXXXXXXX XXXk Savings account [xxxxXHXX]: $XX,XXX<br> XXXXX XXXXXXXX [xxxxXXXX]: $X,XXX(Oct and Nov Bank statement)<br> XXXXX XXXXXXXX [xxxxXXXX]: $XX,XXX. There is enough liquidity to cover the reserves - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXXXX XXX XXXXXXXX XXXX #XXXX XXXX X/XX/XXXX XXXXXXXX. XXXXXXX XXX XXXXXXX. XXXX XX XXXXX & XXXXXXXX XXX XXX XXXXXXXXXX. XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXX - XXXXXXX (X).XXX_XXXXX_<br> XXXX XXXXXXXXX - XXXXXXXX (X).XXX_XXXXX_<br> XXXX XXXXXXX XXX XXXXXXXXXX XXXXXXXXX (XXXXXXXXX XXXX).XXX_XXXXX_<br> XXXXXXX XXXXXXX XXXXXXXXXX XXXXX XXXXXXX _ XXX XXXXXXX XXXXXXXX _XXXX _ XXXXXXXX XXXXXX XXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7544104 | N/A | N/A |
| XXXX | 10149909 |  | 10149909 | Closed | 2026-02-09 23:06 | 2026-02-18 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated statement for XXXXXXXX XXXX #XXXX from X/XX/XXXX received. Updated the balance. Reserves are now sufficient. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-MR XXXXX XXXXXXXX XXXk Savings account [xxxxXHXX]: $XX,XXX<br> XXXXX XXXXXXXX [xxxxXXXX]: $X,XXX(Oct and Nov Bank statement)<br> XXXXX XXXXXXXX [xxxxXXXX]: $XX,XXX. There is enough liquidity to cover the reserves - Seller-XX/XX/XXXX <br>Open-Loan is short assets needed to close. Per the Settlement Statement, a total of $XXX,XXX.XX is needed to close. Assets provided are: XXXX Checking #XXXX for $X,XXX.XX + XXXX Savings #XXXX for $X,XXX.XX + XXXXXXXX XXXX #XXXX for $XXX.XX + XXXXXXX / XXXX XX XXXXXXX IRA for XX of $XX,XXX.XX or $XX,XXX.XX, for a total of $XX,XXX.XX. The loan is short funds to close by $XX,XXX.XX, therefore leaving a negative amount for reserves. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-MR XXXXX XXXXXXXX XXXk Savings account [xxxxXHXX]: $XX,XXX<br> XXXXX XXXXXXXX [xxxxXXXX]: $X,XXX(Oct and Nov Bank statement)<br> XXXXX XXXXXXXX [xxxxXXXX]: $XX,XXX. There is enough liquidity to cover the reserves - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXXXX XXX XXXXXXXX XXXX #XXXX XXXX X/XX/XXXX XXXXXXXX. XXXXXXX XXX XXXXXXX. XXXXXXXX XXX XXX XXXXXXXXXX. XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Purchase | NA | 7529615 | N/A | N/A |
| XXXX | 10149915 |  | 10149915 | Closed | 2026-02-11 05:47 | 2026-03-10 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower X Photo Identification Missing. provide valid photo identification per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7555724 | N/A | N/A |
| XXXX | 10149915 |  | 10149915 | Closed | 2026-02-11 04:08 | 2026-03-05 13:18 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-XXXXXX XXXXXXXX acknowledge the XX PPP - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Loan is in the name of a coproration/XXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Prepayment penalty provided for XX property as per note doc - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXXXXX XXXXXXX XXXXXXXXXXX XXX XX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XX XX XXX XXXX XX X XXXXXXXXXXX/XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7553928 | Investor Post-Close | No |
| XXXX | 10149918 |  | 10149918 | Closed | 2026-02-11 06:44 | 2026-02-24 13:34 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. The subject property is in XX. XX does not allow prepayment penalties unless signed by a corporation. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXXXXX XXXXXXX XXX XXXXXXXXXXXX XX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7556794 | Originator Post-Close | No |
| XXXX | 10149919 |  | 10149919 | Closed | 2026-02-12 07:09 | 2026-03-03 00:31 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Requested RCE estimator coverage is the full RCE calculated by the insurance company provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see RCE estimator coverage is the full RCE calculated by the insurance company - Seller-XX/XX/XXXX <br>Open-Acord in file contains coverage of $XXX,XXX and loan amount is $XXX,XXX. Provide RCE value or additional hazard coverage. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see RCE estimator coverage is the full RCE calculated by the insurance company - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXXXXXX XXXXXXXX XX XXX XXXX XXX XXXXXXXXXX XX XXX XXXXXXXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'X/X') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7581219 | N/A | N/A |
| XXXX | 10149919 |  | 10149919 | Closed | 2026-02-12 06:07 | 2026-02-24 13:38 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. The Note has a Prepayment Penalty. As per State Regulations, prepayment penalties are only allowed for loans signed by a Corporation. The borrowing Business Entity is a XXX.<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXXXXX XXXXXXX XXX XXXXXXXXXXXX XX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7579860 | Originator Post-Close | No |
| XXXX | 10149920 |  | 10149920 | Closed | 2026-02-13 12:52 | 2026-03-04 05:47 | Resolved | 1 - Information B A | Credit | Credit | Lease End Date was prior to Note Date | Resolved-It has been been verified that the lease amount is $XXXX and this is what the DSCR was based on. The rental loss coverage is sufficient as well. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan was qualified using $XXXX per month based on the rent collection schedule - Uploaded here, rent loss coverage is also based on the XXXX, this was valid at the time of underwriting. - XXXXXX-XX/XX/XXXX <br>Open-The lease in the file reflects a XX-month renewal at $X,XXX per month, ending on X/XX/XXXX. Although the lease offered a month-to-month option, the tenant selected the XX-month renewal. The file also includes documentation showing that $X,XXX was received for the period of X/X/XXXX–XX/XX/XXXX. If the current lease amount is to be used for qualifying, an updated lease must be provided. Please note that the rental loss coverage on the hazard insurance policy is based on $X,XXX per month ($XX,XXX annually). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Loan was qualified using $XXXX per month based on the rent collection schedule - Uploaded here, rent loss coverage is also based on the XXXX, this was valid at the time of underwriting. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XX XXX XXXX XXXX XXXXXXXX XXXX XXX XXXXX XXXXXX XX $XXXX XXX XXXX XX XXXX XXX XXXX XXX XXXXX XX. XXX XXXXXX XXXX XXXXXXXX XX XXXXXXXXXX XX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX-XX XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7616580 | N/A | N/A |
| XXXX | 10149920 |  | 10149920 | Closed | 2026-02-12 08:21 | 2026-02-24 13:45 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. The Note has a Prepayment Penalty. As per State Regulations, prepayment penalties are only allowed for loans signed by a Corporation. The borrowing Business Entity is a LLC. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXXXXX XXXXXXX XXX XXXXXXXXXXXX XX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7583119 | Originator Post-Close | No |
| XXXX | 10149920 |  | 10149920 | Closed | 2026-02-13 12:58 | 2026-02-18 05:57 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Policy provided showing sufficient rental loss coverage of $XX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Highlighted Loss of rent coverage amount borrower is carrying enough coverage - XXXXXX-XX/XX/XXXX <br>Open-The monthly rental income used for the subject property was $X,XXX. However, the hazard insurance policy reflects rental loss coverage of $XX,XXX, which equates to $X,XXX per month. Per XXX guidelines, XX months of rental loss coverage is required. Additionally, there are other discrepancies in the file that indicate the rental income may be $X,XXX. If $X,XXX is the correct amount, then the $XX,XXX coverage would be sufficient. Both the rental income discrepancy and the rental loss coverage must be addressed simultaneously. Please see additional finding for the lease agreement discrepancy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Highlighted Loss of rent coverage amount borrower is carrying enough coverage - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXXXXXXXX XXXXXX XXXX XXXXXXXX XX $XX,XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXX (X).XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7616681 | N/A | N/A |
| XXXX | 10149924 |  | 10149924 | Closed | 2026-02-12 12:36 | 2026-03-02 06:19 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-Validated policy number with revised annual policy amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The hazard insurance premium ($XXX.XX) monthly - XXXXXX-XX/XX/XXXX <br>Open-The hazard insurance premium on the originator's underwriting ($XXX.XX monthly) differs from the policy evidence ($XXX annual = $XX.XX monthly), resulting in a DSCR variance of more than X.XX (Lender X.XX / reviewer X.XXX). Please review and confirm the correct annual hazard insurance premium. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Revise - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. The hazard insurance premium ($XXX.XX) monthly - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXX XXXXXX XXXX XXXXXXX XXXXXX XXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7589665 | N/A | N/A |
| XXXX | 10149926 |  | 10149926 | Closed | 2026-02-12 03:46 | 2026-03-09 14:27 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-XXX Acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Note is signed by LLC. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXX XXXXXXX XXXXXXX XXXXXXXX, XXX XXXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXX XXX XXXXX XXXXXX XX X XXXXXXXXXXX. XXXX XX XXXXXX XX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7577350 | Investor Post-Close | No |
| XXXX | 10149939 |  | 10149939 | Closed | 2026-02-10 02:50 | 2026-03-13 07:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Final XXXX Statement showing Cash Out from a refi of XXXX XXXX XX. System updated. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cashout from a refinance transaction is used for the liquidity, XXX uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Statements provided. However, newer statements for those same X accounts were already in file, all dated XX/XX/XXXX. #XXXX for $XX,XXX.XX; #XXXX for $X,XXX.XX; #XXXX for $X,XXX.XX; and #XXXX for $X,XXX.XX. Total of this is $XX,XXX.XX. Minus the cash to close of $XX,XXX.XX. This leaves the loan short funds to close by $XX,XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Acc #XXXX November ending balance has $X,XXX.XX (Oct & November available)<br> Acc #XXXX November ending balance has $XX,XXX.XX (Oct & November available)<br> Acc #XXXX November ending balance has $X,XXX.XX (Oct & November available)<br> Acc #XXXX November ending balance has $XX,XXX.XX (Oct & November available)<br> Required : $XX,XXX.XX (Excluded X months of PITI, which were collected at closing)<br> verified reserves : $XX,XXX.X. Please find the attached liquidity doc - XXXXXX-XX/XX/XXXX <br>Open-Audited XXXXXXXXX Reserves Months are not meeting Required XXXXXXXXX Reserves Months of X - Please Provide Additional Supporting assets Documents <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cashout from a refinance transaction is used for the liquidity, XXX uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Acc #XXXX November ending balance has $X,XXX.XX (Oct & November available)<br> Acc #XXXX November ending balance has $XX,XXX.XX (Oct & November available)<br> Acc #XXXX November ending balance has $X,XXX.XX (Oct & November available)<br> Acc #XXXX November ending balance has $XX,XXX.XX (Oct & November available)<br> Required : $XX,XXX.XX (Excluded X months of PITI, which were collected at closing)<br> verified reserves : $XX,XXX.X. Please find the attached liquidity doc - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXX XXXXXXXXX XXXXXXX XXXX XXX XXXX X XXXX XX XXXX XXXX XX. XXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX.XXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7530676 | N/A | N/A |
| XXXX | 10149947 |  | 10149947 | Closed | 2026-02-10 04:42 | 2026-02-19 01:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Requested taxes provided in title document, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Property tax document uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Tax Cert is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Property tax document uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXX XXXXXXXX XX XXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXXXXXX XXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XX XXXXX & XXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7531583 | N/A | N/A |
| XXXX | 10149950 |  | 10149950 | Closed | 2026-02-17 11:49 | 2026-03-04 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Agreed to XXXXXX value of $XXXX.XX, post this to XX as data discrepancy - XXXXXX-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Qualifying Property Tax is $X,XXX.XX ($XXX.XX monthly) Audit is unable to verify this amount with documents provided. Per the Title & the Appraisal, the XXXX taxes were $X,XXX.XX per half, or $X,XXX.XX per year ($XXX.XX monthly) with no information for XXXX taxes. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Agreed to XXXXXX value of $XXXX.XX, post this to XX as data discrepancy - XXXXXX-XX/XX/XXXX<br>| _XXXXX_ |  |  |  | XXXX | Investment | Purchase | NA | 7660524 | N/A | N/A |
| XXXX | 10149954 |  | 10149954 | Closed | 2026-02-17 06:59 | 2026-03-09 15:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Note uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Note is Missing The fully executed Note from the time of closing is missing from the loan file. Please provide - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Note uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7651098 | N/A | N/A |
| XXXX | 10149954 |  | 10149954 | Closed | 2026-02-17 07:11 | 2026-02-18 06:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXX uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Closing Doc is Missing. The fully executed final XXX is missing from the loan file. Please provide. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXX uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7651320 | N/A | N/A |
| XXXX | 10149954 |  | 10149954 | Closed | 2026-02-17 07:24 | 2026-02-18 06:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-fully executed loan agreement provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan agreement uploaded. - Seller-XX/XX/XXXX <br>Open-The fully executed loan agreement from the time of closing is missing from the loan file. Please provide. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Loan agreement uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7651600 | N/A | N/A |
| XXXX | 10149954 |  | 10149954 | Closed | 2026-02-17 07:09 | 2026-02-18 06:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Non occupancy document uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. The fully executed business purpose affidavit is missing from the loan file. Please provide. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Non occupancy document uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX (XXXX XXXX XXXX XXXX XX XXXX.) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7651279 | N/A | N/A |
| XXXX | 10149954 |  | 10149954 | Closed | 2026-02-17 07:06 | 2026-02-18 06:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Commercial Guaranty uploaded. - Seller-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial Fully executed Guaranty Agreement is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Commercial Guaranty uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7651203 | N/A | N/A |
| XXXX | 10149954 |  | 10149954 | Closed | 2026-02-17 07:01 | 2026-02-18 06:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. MTG uploaded. - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing The fully executed Deed of Trust from the time of closing is missing from the loan file. Please provide. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. MTG uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7651120 | N/A | N/A |
| XXXX | 10149968 |  | 10149968 | Closed | 2026-02-14 22:18 | 2026-02-24 03:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Provided HUD with signature present in the last page. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. HUD attached with signature present in the last page. - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. Alta A statements are missing signature pages. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. HUD attached with signature present in the last page. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXX XXXX XXXXXXXXX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7623839 | N/A | N/A |
| XXXX | 10149969 |  | 10149969 | Closed | 2026-02-11 02:50 | 2026-03-05 01:59 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-There are Judgements in title, but no Supporting documents in file, provided updated Title with no Judgements, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final policy uploaded which clears the open items. - Seller-XX/XX/XXXX <br>Open-Property Title Issue The title report shows a judgment on page XXX in the amount of $X,XXX.XX, Case Number XX-XX-XX-XX-XXXX. There is no documentation in the file indicating that this judgment has been paid in full or is subject to an active payment plan. Per guidelines, public debts—including judgments, tax liens, charge-offs, and non-medical collections—must be paid in full or in satisfactory status. If the borrower is on a payment plan, evidence must be provided showing the plan is current for a minimum of six months prior to closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final policy uploaded which clears the open items. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX XXXXXXXXXX XX XXXXX, XXX XX XXXXXXXXXX XXXXXXXXX XX XXXX, XXXXXXXX XXXXXXX XXXXX XXXX XX XXXXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXX XXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX XXXXXX (X).XXX |  |  | XXXX | Investment | Purchase | NA | 7553393 | N/A | N/A |
| XXXX | 10149971 |  | 10149971 | Closed | 2026-02-15 02:27 | 2026-03-03 00:34 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Requested RCE estimator coverage with the full RCE calculated by the insurance company provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached RCE - Seller-XX/XX/XXXX <br>Open-Hazard insurance coverage amount is $XXX,XXX but loan amount is $XXX,XXX, we need updated hazard insurance policy. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached RCE - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXXXXXX XXXXXXXX XXXX XXX XXXX XXX XXXXXXXXXX XX XXX XXXXXXXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7624205 | N/A | N/A |
| XXXX | 10149973 |  | 10149973 | Closed | 2026-02-13 23:51 | 2026-02-24 14:00 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXXXXX XXXXXXX XXX XXXXXXXXXXXX XX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXX XXXXXXX XXXXXXX XXXXXXXX, XXX XXXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXX XXX XXXXX XXXXXX XX X XXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7621556 | Originator Post-Close | No |
| XXXX | 10149976 |  | 10149976 | Closed | 2026-02-12 20:55 | 2026-02-24 14:02 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The prepayment penalty was acknowledged by the lender. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX <br>Open-. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. prepayment penalty provided in Note document for NJ state property - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXXXXX XXXXXXX XXX XXXXXXXXXXXX XX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXX XXXXXXX XXXXXXX XXXXXXXX, XXX XXXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXX XXX XXXXX XXXXXX XX X XXXXXXXXXXX. XXXXXXXXXX XXXXXXX XXXXXXXX XX XXXX XXXXXXXX XXX XX XXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7599216 | Originator Post-Close | No |
| XXXX | 10149982 |  | 10149982 | Closed | 2026-02-10 11:03 | 2026-02-18 07:13 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Because the building coverage is already compliant with our requirements, we cannot mandate the borrower to carry a $XXX,XXX limit unless the following conditions are met:<br>Evidence of Loss: The borrower must demonstrate to the carrier at the time of the claim that their actual annual loss totals $XXX,XXX.<br>Indemnity Basis: This coverage is settled on a loss sustained basis rather than on projections.<br>Calculable Limits: Reimbursement is restricted to actual, documented losses reported to the carrier at the time of the claim, up to the stated policy limit. Which in this case is XX months. - Seller-XX/XX/XXXX <br>Open-The fair rental coverage per the policy is $XX,XXX. Per ROC guidelines a total of XX months coverage is required which would be $XXX,XXX. Please provide policy showing sufficient rental loss. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Because the building coverage is already compliant with our requirements, we cannot mandate the borrower to carry a $XXX,XXX limit unless the following conditions are met:<br>Evidence of Loss: The borrower must demonstrate to the carrier at the time of the claim that their actual annual loss totals $XXX,XXX.<br>Indemnity Basis: This coverage is settled on a loss sustained basis rather than on projections.<br>Calculable Limits: Reimbursement is restricted to actual, documented losses reported to the carrier at the time of the claim, up to the stated policy limit. Which in this case is XX months. - Seller-XX/XX/XXXX<br>| _XXXXX_ | XXX XXXXX-XXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7541759 | N/A | N/A |
| XXXX | 10149842 |  | 10149842 | Closed | 2026-02-12 12:04 | 2026-03-11 05:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Zillow screenprints received matching the the properties used and the tax amounts. Calculation also received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX <br> Counter-Response received that tax was calculated from an average of X tax amounts from X comps for each of the properties. However, there is no evidence in the file of these comps or the corresponding tax certs for evidence. The provided document shows tax of $XXXX + $XXXX = $XXXX. This still does not match the qualifying tax amount of $XXXX. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX <br> Counter-Audit is still unable to determine how the calculation of the $X,XXX qualifying property tax was derived from this information provided. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Evidence of tax has been uploaded. Per title "XXXX takes up to one year after a parcel spit before they will issue tax certificates for each parcel separately"<br> - Seller-XX/XX/XXXX <br> Open-Qualifying Property Tax is $XXX.XX monthly (about $X,XXX annual). Property Tax cert provided for XXXX XXXXXX XX, but not for XXXX XXXXX XXX. Audit is unable to determine the calculation of the property taxes with the information provided. - Due Diligence Vendor-XX/XX/XXXX | Documentation uploaded - XX/XX/XXXX <br> Documentation Uploaded. - XX/XX/XXXX <br>Ready for Review-Document Uploaded. Evidence of tax has been uploaded. Per title "XXXX takes up to one year after a parcel spit before they will issue tax certificates for each parcel separately"<br> - Seller-XX/XX/XXXX | XXXXXXXX-XXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXX XXX XXX XXXXXXXXXX XXXX XXX XXX XXX XXXXXXX. XXXXXXXXXXX XXXX XXXXXXXX. XXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | (XXXX XX-XX) XXXX XXXXXX - XXXXXX - XXXXXXX ($X,XXX.XX).XXX_XXXXX_<br> (XXXX XX-XX) XXXX XXXXXX - XXXXXX - XXXXXXX ($XXX.XX).XXX_XXXXX_<br> (XXXX XX-XX) XXXX XXXXXX - XXXXXX XXXXXXXX.XXX_XXXXX_<br> (XXXX XX-XX) XXXX XXXXXX - XXXXX & XXXXXX XXX XXXXXXXX.XXX_XXXXX_<br> XXX.XXX_XXXXX_<br> XXXXXX - XXX XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7589040 | N/A | N/A |
| XXXX | 10149842 |  | 10149842 | Closed | 2026-02-11 22:54 | 2026-02-19 13:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-US Passport card received with a valid expiration date. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower's Photo ID (XX Driver's License) expired X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XX XXXXXXXX XXXX XXXXXXXX XXXX X XXXXX XXXXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXXX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7575359 | N/A | N/A |
| XXXX | 10149852 |  | 10149852 | Closed | 2026-02-11 03:26 | 2026-03-02 11:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The client has provided a copy of the HUD and corresponding documentation. Finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Executed final HUD uplaoded. - Seller-XX/XX/XXXX <br> Counter-OA and Articles confirming the borrower's membership in XXXX has been provided. However, the executed Final HUD/SS statement confirming the refund, closing/disbursement dates, fee total, etc was not provided. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Attached the documents to tie to the cashout HUD to the borrower, - Seller-XX/XX/XXXX <br> Counter-The file does not contain the required documents to confirm proceeds of sales. The final HUD and verification of deposit of the cashout proceeds. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Borrower is using funds from a cash out refinance which is $XXX,XXX.XX (Escrow attached) - Seller-XX/XX/XXXX <br> Open-Audited Reserves are X less than XXXXXXXX Required Reserves of X - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Executed final HUD uplaoded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached the documents to tie to the cashout HUD to the borrower, - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Borrower is using funds from a cash out refinance which is $XXX,XXX.XX (Escrow attached) - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XXX XXXXXXXX X XXXX XX XXX XXX XXX XXXXXXXXXXXXX XXXXXXXXXXXXX. XXXXXXX XXX XXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXX- XXXXXXXX-XXXXXX.XXX_XXXXX_<br> XXXXXXXX XX XXXXXXXXXXXX (X).XXX_XXXXX_<br> XXXXXX XXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7553602 | N/A | N/A |
| XXXX | 10149857 |  | 10149857 | Closed | 2026-02-17 10:11 | 2026-02-18 18:17 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Tri-Merge Credit report uploaded. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit report uploaded. - Seller-XX/XX/XXXX <br>Open-Page XXX Credit report is not Tri-merge report, Equifax frozen. Page XX Guidelines Tri-merge report required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit report uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX-XXXXX XXXXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7657798 | N/A | N/A |
| XXXX | 10149869 |  | 10149869 | Closed | 2026-02-17 09:55 | 2026-03-03 05:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Statement of the individual premiums for each location was received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached premium summary per location - Seller-XX/XX/XXXX <br>Open-Hazard Insurance is provided showing $X,XXX.XX as a total due amount (Commercial policy #XXXXXXXX). However, the insurance document lists XX properties for that total amount. This subject mortgage only has X properties on the Note/Mortgage. A document showing the premium amount for each individual property is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached premium summary per location - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XX XXX XXXXXXXXXX XXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXXX. XXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7657397 | N/A | N/A |
| XXXX | 10149869 |  | 10149869 | Closed | 2026-02-17 09:51 | 2026-03-03 05:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Lender properly identified which HUD was the true final. System updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-$X,XXX.XX is the amount the final approved HUD. - Seller-XX/XX/XXXX <br>Open-There are X different settlement statements in file, and both are signed by the borrower as well as the settlement agent. One shows $X,XXX.XX cash due from the borrower, and the other shows $X,XXX.XX cash due from the borrower. Audit is unable to determine which settlement statement is the true final - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-$X,XXX.XX is the amount the final approved HUD. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXXXX XXXXX XXX XXX XXX XXXX XXXXX. XXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7657269 | N/A | N/A |
| XXXX | 10149869 |  | 10149869 | Closed | 2026-02-13 06:00 | 2026-02-23 21:09 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or additional valuation provided for XXXX XXXXX XXXXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Document uploaded for XXXX XXXXX XXXXXX. - Seller-XX/XX/XXXX <br>Open-Secondary Valuation is missing for the property at XXXX XXXXX XXXXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Document uploaded for XXXX XXXXX XXXXXX. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XXXXXXXX XXX XXXX XXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7605420 | N/A | N/A |
| XXXX | 10149979 |  | 10149979 | Closed | 2026-02-11 11:54 | 2026-03-04 09:35 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-DSCR calculation derived from the provided documents in file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Not clear on the requirement here. - Seller-XX/XX/XXXX <br>Open-The DSCR calculation worksheet is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Not clear on the requirement here. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXXXXX XXXXXXX XXXX XXX XXXXXXXX XXXXXXXXX XX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7565045 | N/A | N/A |
| XXXX | 10149981 |  | 10149981 | Closed | 2026-02-12 04:55 | 2026-02-27 07:20 | Resolved | 1 - Information D A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-XXXXX XXX XXXXXXXX XX X/X/XXXX, XXXX XXXXXXXXX XX X/X/XXXX, XXX XXXXXXXX XX X/X/XXXX, XXX XXXX XXXX XX X/X/XXXX, XXX XXXXX XXX X/X/XXXX. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. All XXXXXs received were for the same property XXX XXXXX. Please provide the correct documentation for all properties. - Seller-XX/XX/XXXX <br>Counter-All XXXXXs received were for the same property XXX XXXXX. Please provide the correct documentation for all properties. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXX uplaoded for XXX XXXXX XXX, XXXX XXXXXXXXX XX, XXX XXXXXXXX XXXXXX, XXX XXXXXXXXX XXXXXX and XXX X XXXX XX. - Seller-XX/XX/XXXX <br>Counter-Please upload XXXXX for XXX XXXXX XXX, XXXX XXXXXXXXX XX, XXX XXXXXXXX XXXXXX, XXX XXXXXXXXX XXXXXX and XXX X XXXX XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Recertification document uploaded for XXX XXXXX XXX. - Seller-XX/XX/XXXX <br>Counter-Uploaded is XXXXX for only XXX XXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XXXXXXXXXXXXXXXXXXXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Recertification documents for the five mentioned properties uploaded. - Seller-XX/XX/XXXX <br>Open-XXXX XXXXXXXXX XXXXX XXXXXXXXX(more than XXX days between report and disbursement date), Provide XXXXX: XXX XXXXX XXX, XXXX XXXXXXXXX XX, XXX XXXXXXXX XXXXXX, XXX XXXXXXXXX XXXXXX and XXX X XXXX XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. All XXXXXs received were for the same property XXX XXXXX. Please provide the correct documentation for all properties. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXX uplaoded for XXX XXXXX XXX, XXXX XXXXXXXXX XX, XXX XXXXXXXX XXXXXX, XXX XXXXXXXXX XXXXXX and XXX X XXXX XX. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Recertification document uploaded for XXX XXXXX XXX. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Recertification documents for the five mentioned properties uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX XXXXXXXXX XX X/X/XXXX, XXXX XXXXXXXXX XXXXX X/X/XXXX, XXX XXXXXXXX XX X/X/XXXX, XXX XXXX XXXX XX X/X/XXXX, XXX XXXXX XXX X/X/XXXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XX XXXXXXX, XXXXXXXX XXXX X XXXXXXXXXX XXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXX XXXXXXXXX XXXXX.XXX_XXXXX_<br> XXX XXXXXXXX XX.XXX_XXXXX_<br> XXX XXXX XXXX XXXXXX.XXX_XXXXX_<br> XXX XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7578039 | N/A | N/A |
| XXXX | 10160044 |  |  | Closed | 2026-02-16 23:50 | 2026-02-24 16:33 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per XX XX. XXXX. XXX § XXX, BPL prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. Per XX XX. XXXX. XXX § XXX prepayment penalties are prohibited. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-RESCIND FINDING PLEASE - CVX uses XXXXXXXXXX Choice of Law Provisions, therefore a PP is permitted by law. - Seller-XX/XX/XXXX <br>Open-Per XX XX. XXXX. XXX § XXX, BPL prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. Per XX XX. XXXX. XXX § XXX prepayment penalties are prohibited.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-RESCIND FINDING PLEASE - CVX uses XXXXXXXXXX Choice of Law Provisions, therefore a PP is permitted by law. - Seller-XX/XX/XXXX<br>| XXXXXXXXXXXX-XXX XX XX. XXXX. XXX § XXX, XXX XXXXXXXXXX XXXXXXXXX XXX XXXXXXXXXX XXX X-X XXXXX XXXX XXXXXXX XXXX XXXX $XXX,XXX. XXX XX XX. XXXX. XXX § XXX XXXXXXXXXX XXXXXXXXX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7645104 | Originator Post-Close | No |
| XXXX | 10160044 |  |  | Closed | 2026-02-20 13:18 | 2026-02-24 08:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Deed of Trust is Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7728881 | N/A | N/A |
| XXXX | 10160087 |  |  | Closed | 2026-02-20 17:06 | 2026-02-25 07:08 | Resolved | 1 - Information C A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Confirmation or rent loss coverage provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Rent loss coverage not indicated on insurance information page. Per guidelines, rent loss coverage is required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXX XX XXXX XXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXXXXX-_XXXXXXXXXXXX_XX_XXXXX_XXXXXXX_XX_XXXX_XXXXXX_XXXXX_XXXXXX.XXX_XXXXX_<br> XXXXXXX_XXX_X._XXXXXX-_XXXXX_XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7732433 | N/A | N/A |
| XXXX | 10160087 |  |  | Closed | 2026-02-16 20:49 | 2026-02-23 21:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. Settlement statement is missing in the loan file, provide settlement statement to verify - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXX XXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7644245 | N/A | N/A |
| XXXX | 10160113 |  |  | Closed | 2026-02-23 16:53 | 2026-03-16 18:41 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance Coverage Inadequate | Resolved-Proof of insurance provided confirming terms of coverage. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Proof of insurance does not provide policy dates. Please provide declaration page of insurance policy. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard policy written under XXX% of the insurable replacement value of the property. Per guidelines, replacement cost estimate required and not found in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XX XXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXXXXX_XX_XXXXXXXX_(XXX)_XXXXXX_XXXXXXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXX_XXXXXXXXXXXXXXXXXXX_XXX.XXX_XXXXX_<br> XXXXXXX_XXX_XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7767307 | N/A | N/A |
| XXXX | 10160142 |  |  | Closed | 2026-03-11 11:03 | 2026-03-26 09:32 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-Resolved. PDI, with photos, from XXXX stating no damage to the property. No damage showing in photos. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE WINTER STORM, XXXX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXX, XXXX XXXXXX, XXXX XXXXX XXXXXXX XXXXXXX XX XXXXXX XX XXX XXXXXXXX. XX XXXXXX XXXXXXX XX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX - XXXXXXX - XXX XXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8050827 | N/A | N/A |
| XXXX | 10160142 |  |  | Closed | 2026-02-18 22:30 | 2026-03-24 04:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Requested Tax cert provided, updated & condition resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded the tax bill for both parcels. There are two parcels, so X sets of taxes for each parcel. $XXX, $XXX, $XX & $XX. - Seller-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Per tax cert on page #XXX, the annual tax amount is $X,XXX and the parcel details account on pages #XXX - XXX reflect the annual base tax amount of $XX for a monthly tax amount of $XXX.XX. However final HUD shows tax amount as $XXX.XX. Provide proof of document validating this $XXX.XX tax amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded the tax bill for both parcels. There are two parcels, so X sets of taxes for each parcel. $XXX, $XXX, $XX & $XX. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXXXXXX XXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX _XXX XXXXX XXX XXXX XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7690456 | N/A | N/A |
| XXXX | 10160165 |  |  | Closed | 2026-02-18 00:40 | 2026-03-12 05:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV Exceeds Guideline CLTV ; Credit Memo Exception Approval DSCR X.XX- XXXXXX-XXXXXXX XXXX XXXXXXX XXXXXXXXX XXXX ; XXXXXX XXXX XXXXXXXXX XXXXXXXX XXXX X.XX- XXX XXXXXXXX'X XXX XXXX XXXXX XX XX XXXXXX XXXXX XXX XXXXXXXXX XXXXXXX XX XXX.<br> XXX XXXXXXXX'X XXX-XXXXX XXXXXXXXX XX $XX,XXX.XX XXXXXXX XXX XXX XXX X XXXXX XXXXXXX XXXXXXXXXXX XXXXXXX XXX XXXXXXXXX XX XXXX-XXX.<br> XXX XXXXXXXX XXX XX XXXXXXXX XXXX XXXXXXXX XX XX XXXXXX. XXXXXXXXXX XXXXXXX X XXXXX XXXXXXX XXXXXXXX XXXXXXX. XXXX Investment Refinance Cash Out - Other 7671304 Originator Pre-Close Yes |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10160165 |  |  | Closed | 2026-02-23 14:56 | 2026-03-04 09:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-The client has provided the requested credit memo. Finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo reflecting XX year fixed, fully amortizing - Seller-XX/XX/XXXX <br>Open-Missing Credit Memo for XX year Fixed Rate - fully amortizing for DSCR X.XX- Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo reflecting XX year fixed, fully amortizing - Seller-XX/XX/XXXX<br>XXXXXXXX-XXX XXXXXX XXX XXXXXXXX XXX XXXXXXXXX XXXXXX XXXX. XXXXXXX XXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_<br> XXXXXXX_XXXXXX XXXX.XXX XXXX Investment Refinance Cash Out - Other 7765773 N/A N/A |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 10160207 |  |  | Closed | 2026-02-18 03:18 | 2026-02-23 22:52 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Credit Memo provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX JM - Uploaded CM. - Seller-XX/XX/XXXX <br>Open- provide the Credit Memo document for our review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX JM - Uploaded CM. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX - XXXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7672119 | N/A | N/A |
| XXXX | 10160242 |  |  | Closed | 2026-02-18 02:18 | 2026-02-23 23:43 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Credit Memo provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX JM - Uploaded CM. - Seller-XX/XX/XXXX <br>Open-Credit Memo missing at time of review. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX JM - Uploaded CM. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX - XXXXXX XXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7671698 | N/A | N/A |
| XXXX | 10160242 |  |  | Closed | 2026-02-18 02:33 | 2026-02-23 23:41 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Pg XXX & XXX for Universal Initial - Loan Application available in file. Hence Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/XX JM - PLEASE RESCIND FINDING. See Pg XXX & XXX for Universal Initial - Loan Application. - Seller-XX/XX/XXXX <br>Open-XXXX final is missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-X/XX JM - PLEASE RESCIND FINDING. See Pg XXX & XXX for Universal Initial - Loan Application. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XX XXX & XXX XXX XXXXXXXXX XXXXXXX - XXXX XXXXXXXXXXX XXXXXXXXX XX XXXX. XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Purchase | NA | 7671774 | N/A | N/A |
| XXXX | 10160026 |  |  | Closed | 2026-03-23 12:11 | 2026-03-25 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Signature date per HUD-X and is XX/XX/XXXX and disbursement date of X/XX/XXXX. Credit report of XX/XX/XXXX acceptable. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Credit report in file is dated for XX/XX/XXXX and the closing date is XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXX XXX XXX-X XXX XX XX/XX/XXXX XXX XXXXXXXXXXXX XXXX XX X/XX/XXXX. XXXXXX XXXXXX XX XX/XX/XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8269889 | N/A | N/A |
| XXXX | 10160049 |  |  | Closed | 2026-02-19 01:09 | 2026-03-04 02:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-XXXX is Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded requested RentRange for three properties - Seller-XX/XX/XXXX <br>Open-Cross collateral transaction - Provide Market rent schedule for properties "XXXXXXXX XX XX, XXXXXX, XX" "XXth St NE" & "XXXXXXX Ave NE". Market rent schedule missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded requested RentRange for three properties - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XX - XXXX XX XX.XXX_XXXXX_<br> XXXXXXX_XX - XXXXXXX XXX.XXX_XXXXX_<br> XXXXXXX_XX - XXXXXXXX XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7691209 | N/A | N/A |
| XXXX | 10160049 |  |  | Closed | 2026-02-19 01:06 | 2026-02-25 03:21 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Secondary valuation for property "XXXX XXXXXXXXX XX XX, XXXXXX, XX, XXXXX". Secondary valuation missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXX XXXXXXXX XX XX .XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7691192 | N/A | N/A |
| XXXX | 10160077 |  |  | Closed | 2026-03-02 01:34 | 2026-03-16 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Lender provided copy of the credit report. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The document uploaded cannot be opened. Missing credit report. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Credit Report is Missing. Missing credit report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXXXXXXXX_XXXXXXXX.XXX_XXXXX_<br> XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7865768 | N/A | N/A |
| XXXX | 10160125 |  |  | Closed | 2026-03-02 02:37 | 2026-03-03 08:42 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties.<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXX XXX.XXX(X)(X), XXX XXXXXXXXXX XXXXXXXXX XX XXXXX XXXXX XXX XXXXXXXXXX XX XX XXXXXXX X% XX XXXXXXXX XX XXX XXXXXX XX XXX XXXXXXXXXX XXXX XXXXXX X XXXXX XX XXX XXXX XX XXX XXXX XX XXX XXXX XXXXXXXXXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7866065 | Investor Post-Close | No |
| XXXX | 10160179 |  |  | Closed | 2026-03-09 08:18 | 2026-03-24 07:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-The client has provided a corrected LOX and supporting documentation for the large deposit. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded borrower LOE regarding large deposit with corresponding HUD and Disbursement Sheet; please refer to page X of the disbursement sheet which reflects the large deposit - Seller-XX/XX/XXXX <br>Open-The borrower has provided an LOX for the large deposit for $XX,XXX.XX into XXX #XXXX however the statements provided to support the SOF for the deposits do not support it. There is no withdraw seen in the XXXXXXXXXXXX statements provided and the beginning and ending balances on the statement do not show a large withdraw. The loan file is missing the source of funds for the deposit into XXX # XXXX on XX/XX/XX for $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded borrower LOE regarding large deposit with corresponding HUD and Disbursement Sheet; please refer to page X of the disbursement sheet which reflects the large deposit - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XXX XXXXXXXX X XXXXXXXXX XXX XXX XXXXXXXXXX XXXXXXXXXXXXX XXX XXX XXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX _XXXXXXXX XXX XXXXXXXXX XXXXX XXXXXXX.XXX_XXXXX_<br> XXXXXXX _XXXXXXXXXXXX XXXXX XXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXX _XXX XXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7996417 | N/A | N/A |
| XXXX | 10160179 |  |  | Closed | 2026-03-02 22:26 | 2026-03-13 07:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is Incomplete The client has provided the prelim title dated prior to closing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The client provided the borrowers credit report instead of the title report. The loan file is missing a copy of the preliminary title report dated prior to closing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Document is Incomplete The loan file contains a copy of the preliminary title report however the policy is dated XX/XX/XXXX instead of XX/XX/XXXX. The loan file is missing a copy of the preliminary title report dated prior to closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XX XXXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXXXXXXX XXX XXXXXX XXX XXXXXXXX XXX XXXXXX XXXXX XXXXX XXXXX XX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXX_XXXX XXXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7887916 | N/A | N/A |
| XXXX | 10160179 |  |  | Closed | 2026-03-03 09:57 | 2026-03-09 08:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 1 Missing | Resolved-The client has provided the corrupt asset statements however there is now a large deposit that is not sourced. The borrower provided an LOX that the funds came from is XXXXXXXXXXXX XXXXXX account however no transaction is seen on the asset statement provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded all statements requested - Seller-XX/XX/XXXX <br>Open-The loan file contains copies of the borrowers XXX, XXX XXXX and XXXXXXXXXXXX XXXXXX for X months however the files are corrupt and can't be opened. The loan file is missing X months assets statements, in PDF format, from XXX, XXX XXXX and XXXXXXXXXXXX XXXXXX to support funds for closing ($XXX,XXX.XX) and reserves ($XX,XXX.XX) for total assets to be verified in the amount of $XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded all statements requested - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XXX XXXXXXXX XXX XXXXXXX XXXXX XXXXXXXXXX XXXXXXX XXXXX XX XXX X XXXXX XXXXXXX XXXX XX XXX XXXXXXX. XXX XXXXXXXX XXXXXXXX XX XXX XXXX XXX XXXXX XXXX XXXX XX XXXXXXXXXXXX XXXXXX XXXXXXX XXXXXXX XX XXXXXXXXXXX XX XXXX XX XXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXX XXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXX_XXX XXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXX_XXX.XXX_XXXXX_<br> XXXXXXX_XXX XXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXX_XXX XXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXX_XXXXXXXXXXXX XXXXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXX_XXXXXXXXXXXX XXXXXX XXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7898512 | N/A | N/A |
| XXXX | 10160179 |  |  | Closed | 2026-03-02 21:30 | 2026-03-09 07:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested credit report provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Credit Report is Missing. The loan file is missing the borrowers credit report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7886971 | N/A | N/A |
| XXXX | 10160179 |  |  | Closed | 2026-03-02 06:07 | 2026-03-03 09:18 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXX XXX.XXX(X)(X), XXX XXXXXXXXXX XXXXXXXXX XX XXXXX XXXXX XXX XXXXXXXXXX XX XX XXXXXXX X% XX XXXXXXXX XX XXX XXXXXX XX XXX XXXXXXXXXX XXXX XXXXXX X XXXXX XX XXX XXXX XX XXX XXXX XX XXX XXXX XXXXXXXXXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Purchase | NA | 7868752 | Investor Post-Close | No |
| XXXX | 10160262 |  |  | Closed | 2026-02-26 05:52 | 2026-03-19 10:48 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUDX provided by client. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Provided HUDX still does not provide the settlement/disbursement date and is showing as blank. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide updated HUDX as the in file shows settlement date as blank. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXX XXXXXXXX XX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXXX_XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7819184 | N/A | N/A |
| XXXX | 10160262 |  |  | Closed | 2026-02-26 06:02 | 2026-03-02 02:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood cert Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide flood certificate document as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7819332 | N/A | N/A |
| XXXX | 10160268 |  |  | Closed | 2026-03-02 00:08 | 2026-03-11 00:17 | Resolved | 1 - Information C A | Credit | Doc Issue | Settlement date is different from note date | Resolved-Settlement and Disbursement date is missing in SS document, provided updated Settlement statement, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-HUDX missing settlement and disbursement date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXX XXXXXXXXXXXX XXXX XX XXXXXXX XX XX XXXXXXXX, XXXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX_XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7865453 | N/A | N/A |
| XXXX | 10160271 |  |  | Closed | 2026-03-10 17:50 | 2026-03-25 17:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Flood Certificate is Partially Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood cert provided for the subject. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The flood determination provided is not for the subject property. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Flood Certificate is Partially Provided Provide flood determination that was pulled at or before time of closing and provide the Notice of Special Flood Hazard Disclosure. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXX XXXXXXXX XXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXXXX_XXXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8033220 | N/A | N/A |
| XXXX | 10160251 |  |  | Closed | 2026-02-27 14:19 | 2026-03-05 08:33 | Resolved | 1 - Information C A | Credit | Credit | Deficient subject rental income documentation. | Resolved-The client has provided a rent range with rents at $X,XXX which is higher than on the approval credit memo. The new DSCR is X.XXX and matches client. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded RentRange with corrected Credit Memo for DSCR - Seller-XX/XX/XXXX <br>Open-The guideline XX.X.X \| LTR DOCUMENTATION REQUIREMENTS states that the following documentation is required to calculate the LTR DSCR: Evidence of market rents, from Third-party market rental data, or Form XXXX. The loan file is missing a third party verification of rents or the XXXX from the appraiser to support monthly rents of $X,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded RentRange with corrected Credit Memo for DSCR - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XXX XXXXXXXX X XXXX XXXXX XXXX XXXXX XX $X,XXX XXXXX XX XXXXXX XXXX XX XXX XXXXXXXX XXXXXX XXXX. XXX XXX XXXX XX X.XXX XXX XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7851896 | N/A | N/A |
| XXXX | 10162518 |  | 10162518 | Closed | 2026-02-26 08:35 | 2026-03-12 06:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Lender clarified which HUD is the true Final. System updated to reflect it. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Consider the Amended Final settlement statement. There was a typo error in the closing and disbursement date, which is why there was an amended doc. The original closing date is XX/XX which appears in the Amended HUD. - Seller-XX/XX/XXXX <br>Open-Unable to verify while HUD is the TRUE most-recent final. There is a doc labeled as "Final Settlement Statement" with a disbursement date of X/XX/XXXX. However, there is a doc labeled "Amended Final," but it has an earlier disbursement date of X/XX/XXXX. Both are signed by the settlement agent. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Consider the Amended Final settlement statement. There was a typo error in the closing and disbursement date, which is why there was an amended doc. The original closing date is XX/XX which appears in the Amended HUD. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXXX XXXXX XXX XX XXX XXXX XXXXX. XXXXXX XXXXXXX XX XXXXXXX XX. XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX (XX).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7822746 | N/A | N/A |
| XXXX | 10162519 |  | 10162519 | Closed | 2026-02-26 00:54 | 2026-03-12 03:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested HUD document with Disbursement Date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated disbursement date in the HUD - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. Provide the HUD document with Disbursement Date on it. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated disbursement date in the HUD - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX (XX).XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7816073 | N/A | N/A |
| XXXX | 10162522 |  | 10162522 | Closed | 2026-05-20 10:39 | 2026-05-20 10:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Credit history does not meet guidelines | Waived- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The credit report reflects the two open collections. There were open and evidence of the account being paid was not located in the file. The guidelines indicate - Public debt such as Judgments, Tax Liens, Charge-offs, Non-Medical Collections Must Be <br> Paid in Full or in Satisfactory Status and Borrower must provide evidence of being current <br> on payment plan for a minimum of X months prior to close - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ |  |  | XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX%.<br> XX.X XXXXXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX X XXXXXX XXXXXXX XXX XXXXXXX XX XX.X XXXXXX XXXX XXX XXXXXXXX XXXXXXX. | XXXX | Investment | Refinance | Cash Out - Other | 9304809 | Originator Post-Close | No |
| XXXX | 10162524 |  | 10162524 | Closed | 2026-02-27 10:48 | 2026-03-18 13:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Legible Copy received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Revised HUD shared. - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. Final HUD poor copy, difficulty reading final figures. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Revised HUD shared. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7848008 | N/A | N/A |
| XXXX | 10162526 |  | 10162526 | Closed | 2026-02-26 23:11 | 2026-03-13 04:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested executed Final Settlement Statement provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. The executed Final Settlement Statement is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX_XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7838180 | N/A | N/A |
| XXXX | 10162529 |  | 10162529 | Closed | 2026-02-27 05:19 | 2026-03-09 08:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Property Tax has been provided - Seller-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Required Updated Tax document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Property Tax has been provided - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XX XXXXXXXX XXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXXX.XXXXXXX.XXXX XXXXXXXX XXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7841598 | N/A | N/A |
| XXXX | 10162534 |  | 10162534 | Closed | 2026-03-01 04:23 | 2026-03-12 06:28 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-RCE uploaded, Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX.X, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX.X or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. RCE attached - Seller-XX/XX/XXXX <br>Open-The hazard coverage is $X,XXX,XXX, which is less than the $X,XXX,XXX loan amount. Please provide the RCE documentation to support this coverage.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. RCE attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX, XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX.X, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX.X XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'X/X') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7858124 | N/A | N/A |
| XXXX | 10162535 |  | 10162535 | Closed | 2026-03-01 02:51 | 2026-03-13 08:11 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-XXX XXXXXXX acknowledged. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. The Note has a Prepayment Penalty. As per State Regulations, prepayment penalties are only allowed for loans signed by a Corporation. The borrowing Business Entity is a XXX.<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7858040 | Investor Post-Close | No |
| XXXX | 10162535 |  | 10162535 | Closed | 2026-03-02 14:06 | 2026-03-13 08:11 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Resolved. Bank statement from XXXXXX #XXXX dated XX/XX/XXXX received confirming enough assets $XX,XXX.XX for cash to close. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Jan statement uploaded for XXXXXX account XXXX. - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Loan is short the amount needed to meet reserve requirement. Only X Bank Statement provided for XXXXXXXX XXXXXX XXXX #XXXX dated XX/XX/XXXX for $XX,XXX.XX. Guidelines require X-month consecutive asset statements. This makes the loan $X,XXX.XX short in reserve funds. Qualifying total reserves number of months 'X.XX' less than required reserve of X months. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Jan statement uploaded for XXXXXX account XXXX. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXX XXXXXXXXX XXXX XXXXX #XXXX XXXXX XX/XX/XXXX XXXXXXXX XXXXXXXXXX XXXXXX XXXXXX $XX,XXX.XX XXX XXXX XX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXX - XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7880646 | N/A | N/A |
| XXXX | 10162537 |  | 10162537 | Closed | 2026-03-04 00:57 | 2026-03-16 00:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Settlement statement is unexecuted, provided updated Settlement statement, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final HUD uplaoded. - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. We have settlement statement at file uploads but borrower signature is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final HUD uplaoded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXXX XX XXXXXXXXXX, XXXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX_XXX X XXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7912312 | N/A | N/A |
| XXXX | 10162539 |  | 10162539 | Closed | 2026-02-26 03:35 | 2026-03-20 05:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Lender provided updated copy of the driver's license. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DL uploaded - Seller-XX/XX/XXXX <br>Counter-Nothing was uploaded. Missing unexpired copy of photo ID for the borrower. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Borrower's DL uplaoded. - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. The Photo ID for the borrower expired X/X/XXXX. The Patriot Act Notice does not give the expiration date. Missing unexpired copy of photo ID for the borrower. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DL uploaded - Seller-XX/XX/XXXX <br>Ready for Review-Borrower's DL uplaoded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXX XX XXX XXXXXX'X XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX_XXXXXXXX_XXXXXX_XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7816973 | N/A | N/A |
| XXXX | 10162540 |  | 10162540 | Closed | 2026-02-26 06:47 | 2026-03-12 03:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Purchase Contract | Resolved-Purchase Contract with addendum uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Required Fully Purchase Contract Received ADDENDUM TO AGREEMENT OF SALE. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXX XXXX XXX XXXXXXXXX.XXX XXXX XXXXXX (X).XXX_XXXXX_<br> XXXXXXXX XXXXXXXX XXXX XXX XXXXXXXXX.XXX XXXX XXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7820190 | N/A | N/A |
| XXXX | 10162541 |  | 10162541 | Closed | 2026-03-11 11:01 | 2026-03-23 12:28 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-Resolved. Received and reviewed the Property Disaster Inspection dated XX/XX/XXXX. Inspection and enclosed photos reflect no damage to the property. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Post disaster inspection report uploaded. - Seller-XX/XX/XXXX <br>Open-Property potentially affected by XXXX Disaster ID XXXX. SEVERE WINTER STORM, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Post disaster inspection report uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXXXX XXX XXXXXXXX XXX XXXXXXXX XXXXXXXX XXXXXXXXXX XXXXX XX/XX/XXXX. XXXXXXXXXX XXX XXXXXXXX XXXXXX XXXXXXX XX XXXXXX XX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX_XXXXXXXX_XX_XXXXXXXXX_XX_XXXXX_XXXXXXXX_XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8050767 | N/A | N/A |
| XXXX | 10162541 |  | 10162541 | Closed | 2026-02-28 04:44 | 2026-03-18 02:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Incorrect Dates on SS, provided updated Settlement Statement, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Revised final HUD uploaded. - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. We have ALTA statement at page #X-X but it has closing and disbursement date is XX/XX/XXXX but as per note and DOT has closing and notary dates as XX/XX/XXXX, we need updated settlement statement with date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Revised final HUD uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXX XX XX, XXXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7855689 | N/A | N/A |
| XXXX | 10162548 |  | 10162548 | Closed | 2026-02-26 22:35 | 2026-03-11 09:24 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-XXX XXXXXXX acknowledged. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7837974 | Investor Post-Close | No |
| XXXX | 10162550 |  | 10162550 | Closed | 2026-02-27 01:21 | 2026-03-20 08:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax The annual taxes used in approval was $X,XXX.XX. There is no documentation in the file to support the use of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Verified tax amount is higher than what was used in the approval, required updated tax documentation. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Verified Tax amount is higher than what was used in the approval. required updated tax document. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Verified Tax amount is higher then the actual tax amount in the settlement statement. required updated settlement statement or tax cert. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XX XXXXXXXX XXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7839352 | N/A | N/A |
| XXXX | 10162550 |  | 10162550 | Closed | 2026-02-25 23:42 | 2026-03-20 07:52 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-XXXXXX XXXXXXX acknowledged - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Signed by a LLC. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXXXXX XXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXX XXXXXXX XXXXXXX XXXXXXXX, XXX XXXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXX XXX XXXXX XXXXXX XX X XXXXXXXXXXX. XXXXXX XX X XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7815729 | Investor Post-Close | No |
| XXXX | 10162550 |  | 10162550 | Closed | 2026-02-27 01:15 | 2026-03-12 03:02 | Resolved | 1 - Information C A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-RCE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See RCE attached - Seller-XX/XX/XXXX <br>Open-Hazard insurance coverage amount is $XXX,XXX which is not covering in the loan amount $XXX,XXX. required updated insurance document to cover loan amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See RCE attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7839316 | N/A | N/A |
| XXXX | 10162551 |  | 10162551 | Closed | 2026-02-26 02:53 | 2026-03-23 12:16 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-XXX XXXXXXX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX <br> Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7816658 | Investor Post-Close | No |
| XXXX | 10162551 |  | 10162551 | Closed | 2026-02-26 04:20 | 2026-03-12 07:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-passports rec'd/ resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower X US ID missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXX'X/ XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXXXX.XXX_XXXXX_<br> XX.XXXXX (X).XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7817308 | N/A | N/A |
| XXXX | 10162557 |  | 10162557 | Closed | 2026-03-02 15:24 | 2026-03-17 17:00 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal | Resolved-XXXX Exterior, XXXX and XXXXXXX XXXX XXXXXX support value. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX <br>Open-LTV XX%, missing Second XXXX or XXXX Exterior to support value. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX, XXXX XXX XXXXXXX XXXX XXXXXX XXXXXXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXXXXX XXXXX .XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7881723 | N/A | N/A |
| XXXX | 10162557 |  | 10162557 | Closed | 2026-03-02 15:09 | 2026-03-13 09:19 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final Title Policy Vesting XXXXX XXX XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final polciy attached showing correct vesting information. - Seller-XX/XX/XXXX <br>Open-Property Title Issue Page XXX Note signed by different individual than Subject Transaction for XXXX XX XXXXXXXXXX XXX. Page XXX Title Commitment and Page XX XXXX shows subject Purchased X/X/XXXX by XXXX XX XXXXXXXXXX XXX. Subject Transaction Page XXX Note signed by Subject Borrower for XXXXX XXX XXX. Page XXX Deed from XXXX XX XXXXXXXXXX XXX to XXXXX XXX XXX. Missing Operating Agreement or documentation to show Borrower/Member and prior Note Signor/Member of XXXX XX XXXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final polciy attached showing correct vesting information. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXX XXXXXX XXXXXXX XXXXX XXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7881508 | N/A | N/A |
| XXXX | 10162564 |  | 10162564 | Closed | 2026-03-03 08:16 | 2026-03-09 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing credit report | Resolved-Credit Report is Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Pre-Close Credit Report dated XX/XX/XXXX recevied. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit report has been provided as per the note date - Seller-XX/XX/XXXX <br>Open-Missing credit report Provide a Pre-Close Credit Report. The Note is signed and date XX/XX/XXXX and the Credit Report in file is dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit report has been provided as per the note date - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX-XXXXX XXXXXX XXXXXX XXXXX XX/XX/XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7895802 | N/A | N/A |
| XXXX | 10162564 |  | 10162564 | Closed | 2026-03-01 03:40 | 2026-03-06 14:00 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX Acknowledged - Due Diligence Vendor-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7858078 | Investor Post-Close | No |
| XXXX | 10162564 |  | 10162564 | Closed | 2026-03-03 12:55 | 2026-03-06 07:05 | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Operating Agreement provided showing borrower as member with XXX% interest. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Operating agreement of X XXX X XXXXXXXX XXX has been provided - Seller-XX/XX/XXXX <br>Open-Asset documentation for XXXXX account #XXXX provided for X XXX X XXXXXXXX XXX. Provide a full and executed copy of the Operating Agreement detailing ownership and access. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Operating agreement of X XXX X XXXXXXXX XXX has been provided - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXXX XX XXXXXX XXXX XXX% XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXX X XXXXXXXX XXX XX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7903618 | N/A | N/A |
| XXXX | 10162567 |  | 10162567 | Closed | 2026-02-27 05:19 | 2026-03-24 10:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Additional statement provided does not meet cash to closed and reserves requirement. Provide additional funds sourced prior to closing.<br> The borrower is short funds required to close, including a cash to close shortage of $X,XXX.XX and reserve shortage of $X.XX. Although documentation reflects that funds for closing paid on XX/XX/XXXX, the loan closed on XX/XX/XXXX. Review of the bank statement and daily balance ledger through the closing date does not evidence sufficient funds on hand to cover the required amounts. Therefore, the full funds needed to close were not sourced or verified prior to closing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Additioanl statements uploaded, which covers the required liquidity reserves. - Seller-XX/XX/XXXX <br>Counter-The borrower is short funds required to close, including a cash to close shortage of $X,XXX.XX and reserve shortage of $X.XX. Although documentation reflects that funds for closing paid on XX/XX/XXXX, the loan closed on XX/XX/XXXX. Review of the bank statement and daily balance ledger through the closing date does not evidence sufficient funds on hand to cover the required amounts. Therefore, the full funds needed to close were not sourced or verified prior to closing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached is the February statement. The XX/XX transaction shows a payment of $XX,XXX.XX for the closing costs, which should satisfy the liquidity requirement. - Seller-XX/XX/XXXX <br>Counter-The document provided is a HUD for another property for the same borrower. This subject loan is a purchase transaction. Loan is short the amount needed to close. Bank Statement provided was XXX XXXX #XXXX dated X/XX/XXXX for $XX,XXX.XX. But, per the Final HUD-X, the Amount of Cash to Close needed was $XX,XXX.XX. This makes the loan $X,XXX.XX short in funds to close. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. There is a cashout deal (XX,XXX.XX). Uploaded HUD of the same - Seller-XX/XX/XXXX <br>Open-Loan is short the amount needed to close. Bank Statement provided was XXX XXXX #XXXX dated X/XX/XXXX for $XX,XXX.XX. But, per the Final HUD-X, the Amount of Cash to Close needed was $XX,XXX.XX. This makes the loan $X,XXX.XX short in funds to close. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Additioanl statements uploaded, which covers the required liquidity reserves. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached is the February statement. The XX/XX transaction shows a payment of $XX,XXX.XX for the closing costs, which should satisfy the liquidity requirement. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. There is a cashout deal (XX,XXX.XX). Uploaded HUD of the same - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXXXXXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX-XXXX-XX-XX (X).XXX_XXXXX_<br> XXXX XXXXXXXXX - XXXXXXXX (X).XXX_XXXXX_<br> XXXX XXXXXX XXXXXXXXXX XXXX XXXXXXXXXX (X).XXX |  |  | XXXX | Investment | Purchase | NA | 7841596 | N/A | N/A |
| XXXX | 10162567 |  | 10162567 | Closed | 2026-02-27 13:32 | 2026-03-12 06:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Borrower's Real ID Drivers License provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded DL - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Similar condition made for Citizenship documentation. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded DL - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX'X XXXX XX XXXXXXX XXXXXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXX XXXXXXXXX XXXX XXX XXXXXXXXXXX XXXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXX |  |  | XXXX | Investment | Purchase | NA | 7851196 | N/A | N/A |
| XXXX | 10162567 |  | 10162567 | Closed | 2026-02-27 10:14 | 2026-03-09 07:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Verification of Citizenship Affidavit (Notarized) provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Citizenship document has been provided - Seller-XX/XX/XXXX <br>Open-Borrower X Citizenship Documentation Is Missing Unable to open the file extension provided for Borrower's ID, provide in jpeg or pdf format. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Citizenship document has been provided - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXX XX XXXXXXXXXXX XXXXXXXXX (XXXXXXXXX) XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXXXX XXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7847371 | N/A | N/A |
| XXXX | 10162570 |  | 10162570 | Closed | 2026-02-28 21:35 | 2026-03-27 07:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Funding Statement X/X/XXXX, payoff underlying mortgage with net proceeds $X,XXX.XX to Borrower. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Closing Detail statement is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Closing detailed statement has been provided - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. Closing Doc is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Closing detailed statement has been provided - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXXXX X/X/XXXX, XXXXXX XXXXXXXXXX XXXXXXXX XXXX XXX XXXXXXXX $X,XXX.XX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXX XXXXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7857755 | N/A | N/A |
| XXXX | 10162570 |  | 10162570 | Closed | 2026-03-02 16:46 | 2026-03-26 14:10 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal | Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Secondary valuation report uploaded. - Seller-XX/XX/XXXX <br>Open-LTV over XX%, missing Second XXXX or XXXX XXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Secondary valuation report uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXXXXXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXX XX (X).XXX |  |  | XXXX | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7882662 | N/A | N/A |
| XXXX | 10162570 |  | 10162570 | Closed | 2026-03-02 17:45 | 2026-03-17 17:34 | Resolved | 1 - Information C A | Credit | Eligibility | Credit history does not meet guidelines | Resolved-X Closed Tradelines. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-There are historical trade lines that are over XX months that are now closed but the borrower has X open tradelines that are active now as well. - Seller-XX/XX/XXXX <br>Open-XXXXXXXXXX Page XX Minimum Credit History requirement One Active Credit Line with XX month reporting history. All accounts on credit report show closed, no mortgage history reported. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-There are historical trade lines that are over XX months that are now closed but the borrower has X open tradelines that are active now as well. - Seller-XX/XX/XXXX<br>| XXXXXXXX-X XXXXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7884192 | N/A | N/A |
| XXXX | 10162570 |  | 10162570 | Closed | 2026-03-02 17:17 | 2026-03-16 09:26 | Resolved | 1 - Information C A | Credit | Credit | CLTV/LTV exceeds guidelines | Resolved-Separate Finding, uploaded Funding Statement X/X/XXXX shows payoff underlying mortgage with net proceeds $X,XXX.XX to Borrower. Rate Term Refinance FICO >=XXX Maximum LTV/CLTV XX%. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-This is a Rate term refinace - For rate and term with FICO > XXX, LTV can be upto XX%. - Seller-XX/XX/XXXX <br>Open-XXXXXXXXXX Page X Cash Out Refinance Maximum LTV XX% vs Subject Transaction XX.XX%. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-This is a Rate term refinace - For rate and term with FICO > XXX, LTV can be upto XX%. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX, XXXXXXXX XXXXXXX XXXXXXXXX X/X/XXXX XXXXX XXXXXX XXXXXXXXXX XXXXXXXX XXXX XXX XXXXXXXX $X,XXX.XX XX XXXXXXXX. XXXX XXXX XXXXXXXXX XXXX >=XXX XXXXXXX XXX/XXXX XX%. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7884041 | N/A | N/A |
| XXXX | 10162571 |  | 10162571 | Closed | 2026-03-03 08:11 | 2026-03-13 06:20 | Resolved | 1 - Information C A | Property | Appraisal | Loan file does not contain additional valuation | Resolved-XXXX XXXXXXXX received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX <br>Open-Loan file does not contain additional valuation Loan is Cash Out with an LTV of XX%. Field Review is needed and is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXX.XXXX XXXXXXX XXXXX X.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7895720 | N/A | N/A |
| XXXX | 10162583 |  | 10162583 | Closed | 2026-02-27 02:50 | 2026-03-11 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Commercial guaranty for XXXXXXX XXXXXXXX has been uploaded - Seller-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial Unable to locate the Guaranty Agreement in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Commercial guaranty for XXXXXXX XXXXXXXX has been uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7839751 | N/A | N/A |
| XXXX | 10162583 |  | 10162583 | Closed | 2026-02-27 02:46 | 2026-03-11 10:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Mortgage doc uploaded - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Deed of Trust is Missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Mortgage doc uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXXXX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7839734 | N/A | N/A |
| XXXX | 10162583 |  | 10162583 | Closed | 2026-02-27 08:23 | 2026-03-11 10:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing evidence of Mortgage recording The deed of trust is missing from the file and there is no indication on the funding statement in file uploads that the mortgage was sent for recording. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XX XXXXXXXX XXXXXXXXX XX XXXXXXX XX XXXXXXXX XXX XXXX XXXX XXX XXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7844731 | N/A | N/A |
| XXXX | 10162583 |  | 10162583 | Closed | 2026-02-27 02:40 | 2026-03-11 10:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Note doc uploaded - Seller-XX/XX/XXXX <br>Open-The Note is Missing Note is Missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Note doc uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXXXX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7839697 | N/A | N/A |
| XXXX | 10162583 |  | 10162583 | Closed | 2026-02-27 03:00 | 2026-03-11 10:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. HUD or Settlement statement missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7839829 | N/A | N/A |
| XXXX | 10162583 |  | 10162583 | Closed | 2026-02-27 02:36 | 2026-03-11 06:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business purpose affidavit provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Non-Occupancy Aff has been uploaded - Seller-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is ''. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Non-Occupancy Aff has been uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7839679 | N/A | N/A |
| XXXX | 10162588 |  | 10162588 | Closed | 2026-02-27 06:02 | 2026-03-09 09:51 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit report has been provided as per the closing date - Seller-XX/XX/XXXX <br>Open-Borrower X Credit Report is Partially Present. Credit report date of XX/XX/XXXX is after the closing date of XX/XX/XXXX. Provide credit report before consummation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit report has been provided as per the closing date - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXXX.XXX_XXXXX_<br> XXXXXX.XXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7841988 | N/A | N/A |
| XXXX | 10162589 |  | 10162589 | Closed | 2026-02-27 04:56 | 2026-03-09 09:08 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit report has been provided as per the closing date - Seller-XX/XX/XXXX <br>Open-Borrower X Credit Report is Partially Present. Credit report date of XX/XX/XXXX is after the closing date of XX/XX/XXXX. Provide credit report before consummation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit report has been provided as per the closing date - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXXX.XXX_XXXXX_<br> XXXXXX.XXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7840766 | N/A | N/A |
| XXXX | 10162592 |  | 10162592 | Closed | 2026-03-03 10:17 | 2026-03-13 06:34 | Resolved | 1 - Information C A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-Insurance cash value documentation provided. Information updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. $XX,XXX - Cash Value of Insurance - #XXXXXXX - as of XX Feb XXXX - Seller-XX/XX/XXXX <br>Open-Per the Final HUD in file, the borrower is required to bring $XX,XXX.XX to close. The bank statement in file on page XX reflects an available balance of $X,XXX.XX. Please provide documentation to support funds to close. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. $XX,XXX - Cash Value of Insurance - #XXXXXXX - as of XX Feb XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXX XXXXX XXXXXXXXXXXXX XXXXXXXX. XXXXXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXXXXXX XXXX XXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7899089 | N/A | N/A |
| XXXX | 10162592 |  | 10162592 | Closed | 2026-03-03 01:21 | 2026-03-13 04:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated HUD not required as Purchase price (XXX,XXX) + Assignment fee (XX,XXX) = $XXX,XXX hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Purchase price (XXX,XXX) + Assignment fee (XX,XXX) = $XXX,XXX - Seller-XX/XX/XXXX <br>Open-Per sales agreement, purchase price is $XXX,XXX. HUD in file reflects a purchase price of $XXX,XXX. Please provide the Final HUD reflecting the correct purchase price. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Purchase price (XXX,XXX) + Assignment fee (XX,XXX) = $XXX,XXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXX XXX XXXXXXXX XX XXXXXXXX XXXXX (XXX,XXX) + XXXXXXXXXX XXX (XX,XXX) = $XXX,XXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7889017 | N/A | N/A |
| XXXX | 10162593 |  | 10162593 | Closed | 2026-03-01 08:59 | 2026-03-13 01:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Requested additional assets provided now reserves are within the guidelines hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Requested additional assets provided now reserves are within the guidelines hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. $XX,XXX - Cash Value of Insurance - #XXXXXXX - as of XX Feb XXXX. - Seller-XX/XX/XXXX <br>Open-As per GL dated XX-XX-XXXX, the borrower is required to maintain six (X) months of reserves. Additionally, the purchase transaction indicates on the Settlement Statement that the cash to close of $XX,XXX.XX is being provided by the borrower. However, verified liquid reserves total only X months, resulting in a shortfall of reserves. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. $XX,XXX - Cash Value of Insurance - #XXXXXXX - as of XX Feb XXXX. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXX XXX XXXXXX XXX XXXXXXXXXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXXXXXX XXXX XXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7858419 | N/A | N/A |
| XXXX | 10162597 |  | 10162597 | Closed | 2026-03-03 11:33 | 2026-03-12 06:11 | Resolved | 1 - Information C A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Binder provided to reflect sufficient coverage - Due Diligence Vendor-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of XXXXXX is Less than Loan Amount of XXXXXX.XX and Guaranteed Replacement Coverage is No Hazard Insurance Coverage Amount of XXXXXX is Less than Loan Amount of XXXXXX.XX. Please provide documentation to support sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7901241 | N/A | N/A |
| XXXX | 10162597 |  | 10162597 | Closed | 2026-03-03 11:22 | 2026-03-12 06:09 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Binder provided to reflect sufficient rent loss coverage - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The rent loss includes $XX,XXX in the Insurance. If you even consider the maximum market rent which is $X,XXX\*XX=$XX,XXX. It is still over the required amount - Seller-XX/XX/XXXX <br>Open-Rent loss coverage reflected on the Hazard Insurance on page XXX is less than requirement of XX months rent loss. Please provide documentation to support the XX month requirement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The rent loss includes $XX,XXX in the Insurance. If you even consider the maximum market rent which is $X,XXX\*XX=$XX,XXX. It is still over the required amount - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XX XXXXXXX XXXXXXXXXX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7900874 | N/A | N/A |
| XXXX | 10162599 |  | 10162599 | Closed | 2026-03-09 06:47 | 2026-03-26 14:09 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal 2 missing | Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX <br>Open-Transaction is a refinance of a SFR with an LTV of XX%. A Field Review or XXXX Appraisal is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXXXXXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXXX XXXX_XXXXXXX (X).XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7993740 | N/A | N/A |
| XXXX | 10162599 |  | 10162599 | Closed | 2026-03-01 01:34 | 2026-03-17 07:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Borrower's Driver License uploaded. - Seller-XX/XX/XXXX <br>Counter-There was no document attached. Please provide copy of borrowers photo ID - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Borrower's DL uplaoded. - Seller-XX/XX/XXXX <br>Open-Borrower's Photo ID is missing. Per the Citizenship Affidavit & Consent form, a Driver's License was provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Borrower's Driver License uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Borrower's DL uplaoded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXXXXX (X).XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7857992 | N/A | N/A |
| XXXX | 10162599 |  | 10162599 | Closed | 2026-03-01 00:27 | 2026-03-09 06:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Affidavit rec'd/resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Citizenship affidavit has been provided - Seller-XX/XX/XXXX <br>Open-Borrower X Citizenship Documentation Is Missing Provide BorrowerX Citizenship document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Citizenship affidavit has been provided - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXXXXXXXX XXXXXXXXXXXXX XXXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXX'X/XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7857935 | N/A | N/A |
| XXXX | 10162605 |  | 10162605 | Closed | 2026-03-01 03:05 | 2026-03-23 12:14 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-XXX XXXXXXX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7858047 | Investor Post-Close | No |
| XXXX | 10162606 |  | 10162606 | Closed | 2026-03-03 12:54 | 2026-03-12 16:19 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal 2 missing | Resolved-X XXXX and XXXXXXX Desk support value. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX <br>Open-X-X unit over XX% LTV. Need field review in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-X XXXX XXX XXXXXXX XXXX XXXXXXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXX.XXXXX XXXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7903602 | N/A | N/A |
| XXXX | 10162608 |  | 10162608 | Closed | 2026-03-03 12:32 | 2026-03-12 06:14 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. EOI appears to show coverage in the amount of $XXX,XXX. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX. Please provide documentation to support sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. EOI appears to show coverage in the amount of $XXX,XXX. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'XXX') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXX XXXXXX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7903108 | N/A | N/A |
| XXXX | 10162610 |  | 10162610 | Closed | 2026-03-03 12:51 | 2026-03-17 13:53 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Revised document has been uploaded. - Seller-XX/XX/XXXX <br>Counter-XXXX submitted in not for the subject property. Please provide XXXX for the subject - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Secondary exterior valuation uploaded. - Seller-XX/XX/XXXX <br>Open-Second Appraisal/ Valuation is Missing Loan is a SFR XX% LTV refinance- Field review is required - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Revised document has been uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Secondary exterior valuation uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXX.XXX XXXXXXXX XX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7903545 | N/A | N/A |
| XXXX | 10162612 |  | 10162612 | Closed | 2026-03-03 13:52 | 2026-03-17 08:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-Full Loan Agreement provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan agreement uploaded. - Seller-XX/XX/XXXX <br>Counter-Page XX is still missing. Document uploaded jumps from page XX of XX to page XX of XX. Please provide page XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan agreement uploaded. - Seller-XX/XX/XXXX <br>Open-Page XX of the fully executed Loan Agreement is missing from the loan file. Please provide - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Loan agreement uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan agreement uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXX XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXXXX.XXX_XXXXX_<br> XX.XXXXX XXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7905262 | N/A | N/A |
| XXXX | 10162612 |  | 10162612 | Closed | 2026-03-03 13:53 | 2026-03-16 08:47 | Resolved | 1 - Information D A | Property | Missing Doc | HEI: Missing Secondary Valuation | Resolved-Secondary Valuation product provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seconday valuation reprto uplaoded. - Seller-XX/XX/XXXX <br>Open-The field review for the subject property is missing from the loan file and is required on refinances with an LTC greater than XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Seconday valuation reprto uplaoded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXX.XXXX X XXXXXX XX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7905317 | N/A | N/A |
| XXXX | 10162616 |  | 10162616 | Closed | 2026-03-01 02:34 | 2026-03-13 01:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Requested additional assets provided now reserves are within the guidelines hence condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Additional statements uploaded. - Seller-XX/XX/XXXX <br>Open-Provide additional assets.<br> Asset shortage of $-$XX,XXX.XX after using XXXXX XXXXX statement of amount $XX,XXX.X. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Additional statements uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXX XXX XXXXXX XXX XXXXXXXXXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXX XXXXXXX .XXX_XXXXX_<br> XXXXXXX XXXXXXXXX XXXXXXX .XXX_XXXXX_<br> XXXXXX.X&X XXXXXXXXXX XXX XX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7858029 | N/A | N/A |
| XXXX | 10162617 |  | 10162617 | Closed | 2026-03-03 22:13 | 2026-03-06 00:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Closing Detail statement is missing in file, Provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Settlement Statement has been uploaded - Seller-XX/XX/XXXX <br>Open-Closing Doc is Missing. The fully executed Settlement Statement is missing from the loan file. Please provide. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Settlement Statement has been uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXX XXXXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7911558 | N/A | N/A |
| XXXX | 10162622 |  | 10162622 | Closed | 2026-03-03 14:02 | 2026-03-12 05:55 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-RCE was provided. Insurance data has been updated. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of $XXXXX is equal to or greater than Required Coverage Amount of $XXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached RCE - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXX is less than Required Coverage Amount of $XXXXX and Guaranteed Replacement Coverage indicator is 'N/A' The hazard insurance policy reflects $XX,XXX in coverage, while the loan amount is $XX,XXX. There is no indication in the hazard policy—or in any other documentation provided—of the property's replacement cost or whether the coverage represents XXX% replacement cost. Please provide documentation that verifies the replacement cost of the subject property. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached RCE - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXX XXXXXXXX. XXXXXXXXX XXXX XXX XXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'XXX') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7905503 | N/A | N/A |
| XXXX | 10162623 |  | 10162623 | Closed | 2026-03-02 16:57 | 2026-03-12 10:06 | Resolved | 1 - Information D A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-XXXXD Completion Report is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXX D not required \ - Seller-XX/XX/XXXX <br>Open-XXXXD Completion Report is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-XXXX D not required \ - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXXXX XXXXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7883184 | N/A | N/A |
| XXXX | 10162623 |  | 10162623 | Closed | 2026-03-02 16:58 | 2026-03-12 09:51 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal missing from loan file. | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Primary and secondary valuations uploaded - Seller-XX/XX/XXXX <br>Open-Appraisal missing from loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Primary and secondary valuations uploaded - Seller-XX/XX/XXXX<br>| _XXXXX_ | X XXXXX XXXXXX XXX.XXX_XXXXX_<br> XXXXXXXXX - XXXXXXXX.XXX_XXXXX_<br> X XXXXX XXXXXX XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7883187 | N/A | N/A |
| XXXX | 10162628 |  | 10162628 | Closed | 2026-03-02 13:14 | 2026-03-19 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Purchase Contract | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Signed Purchase Contract missing in the file. Item on page XXX is an assignment of shares of the corporation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Documentation uploaded - XX/XX/XXXX <br>| _XXXXX_ | XXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXX XX XXXXXX XXXXXXX.XXX_XXXXX_<br> XXXXXXXX XXXXXXXX-XXXX XXXXXXXXX XXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 7879834 | N/A | N/A |
| XXXX | 10162628 |  | 10162628 | Closed | 2026-03-02 12:35 | 2026-03-13 06:54 | Resolved | A | Data Edit | Data Edit | Potential title vesting issue | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title currently vested should not match Title vested at close on purchase transaction . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Purchase | NA | 7879041 | N/A | N/A |
| XXXX | 10162628 |  | 10162628 | Closed | 2026-03-02 13:35 | 2026-03-13 06:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final title policy uploaded. - Seller-XX/XX/XXXX <br>Open-Title Document is Incomplete - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Document is Incomplete preliminary/commitment title is missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final title policy uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XX XXXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX XXXXXX - XXXX-XX-XXXXXXXXX.XXX.XXX |  | XXXXXXXXXXX/XXXXXXXXXX XXXXX XX XXXXXXX. | XXXX | Investment | Purchase | NA | 7880181 | N/A | N/A |
| XXXX | 10162630 |  | 10162630 | Closed | 2026-03-02 15:08 | 2026-03-16 15:42 | Resolved | 1 - Information D A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-Document clears the condition. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Secondary valuation review uploaded. - Seller-XX/XX/XXXX <br>Open-XXXXD Completion Report is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Secondary valuation review uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXX.XXXX XXXXXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7881490 | N/A | N/A |
| XXXX | 10194925 |  |  | Closed | 2026-03-04 22:25 | 2026-03-09 03:14 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-The fraud report in file (page # XXX) is showing X high uncleared alerts & X Low uncleared alert . The required clear fraud report is missing from file.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7935309 | N/A | N/A |
| XXXX | 10194925 |  |  | Closed | 2026-03-04 22:50 | 2026-03-06 02:39 | Resolved | 1 - Information C A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Settlement statement agent sign missing in hud-X, Provided updated HUD-X, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide updated settlement statement as the one in file (X) is missing settlement agent signature - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXXX XXXXX XXXX XXXXXXX XX XXX-X, XXXXXXXX XXXXXXX XXX-X, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7935473 | N/A | N/A |
| XXXX | 10179433 |  |  | Closed | 2026-03-09 05:29 | 2026-03-11 02:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Jan XX to Feb XX XXXX Bank Statement uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-is February XXXX or February XXXX bank statement missing? - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing February XXXX bank statement is missing hence considered XX months only. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XX XX XXX XX XXXX XXXX XXXXXXXXX XXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXX XX XX XXX XX XXXX.XXX_XXXXX_<br> XXXXXXXX XXX XX XX XXX XX XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | 7991416 | N/A | N/A |
| XXXX | 10179433 |  |  | Closed | 2026-03-09 06:32 | 2026-03-11 08:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX-XXX and the Final Closing disclosure on Pg#'sXXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'XXXX-XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX-XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XX XXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#XXX-XXX XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | 7993382 | N/A | N/A |
| XXXX | 10194930 |  |  | Closed | 2026-03-11 11:50 | 2026-03-16 07:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Rent Free LOE - Seller-XX/XX/XXXX <br>Open-Provide signed LOE for living rent free. The letter in file is not signed. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Rent Free LOE - Seller-XX/XX/XXXX<br>| _XXXXX_ | XXX - XXXX XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | 8051756 | N/A | N/A |
| XXXX | 10194930 |  |  | Closed | 2026-03-11 01:40 | 2026-03-19 07:13 | Resolved | 1 - Information A | Compliance | Mavent | HigherPriced: APR | Resolved-Confirmed loan has escrows per the final CD on page XX and IEADs on page XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. I'm seeing impounds for both property insurance and Taxes on this loan, please see attached CD and system is showing impounding for both. Can you please confirm what else is needed? - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-You submitted no impound amounts for property insurance on this XXXX loan. XXXXXXXXXX X prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#'XXX An interior and exterior appraisal was completed for this property – see pgXX-XX,, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower #XXX The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. I'm seeing impounds for both property insurance and Taxes on this loan, please see attached CD and system is showing impounding for both. Can you please confirm what else is needed? - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXX XXX XXXXXXX XXX XXX XXXXX XX XX XXXX XX XXX XXXXX XX XXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXXX XX XXXXXXX XXXXXXX XXX XXXXXXXX XXXXXXXXX XX XXXX XXXX XXXX. XXXXXXXXXX X XXXXXXXXX X XXXXXX XXXX XXXXXX X XXXXX XXXX XXXXXX XXXXXX XXXXXXXX XXXX XXXXXX XX XXXXXX XXXXXXX XX XXXXXXXXXXX XXXXXX XXXXXXXXXXXX XXX XXXXXXX XX XXXXXXXX XXXXX XXX XXXXXXXX XXX XXXXXXXX-XXXXXXX XXXXXXXXX. X XXXXXXXX XX XXXXXXXX XXX XXX XXXXXX XXX XXXXXX XXXXXXX XXXXX XXX XXXXXXX XX: (X) XXXXXXXXXXX XX XXX XXXXXXXXXX XXXX XXXXXXXXXX XX (X) XXXX XXXXX XXXXX XXXXXXXXXXXX XX XXX XXXXXX XXXXXXXXX XXXXXXX XX XXXX XXXX XX% XX XXX XXXXXXXX XXXXX XX XXX XXXXXXXX XXX XXX XXXXXXXX XX XXX XXXXXXXXXX XX XX XXXXXXX XX XXX XXXXXXXXXX XXXX XXXXXXXXXX. (XX XXX XXXX.XX(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX-XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX-XX,, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX #XXX XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | 8035981 | N/A | N/A |
| XXXX | 10194930 |  |  | Closed | 2026-03-11 01:40 | 2026-03-16 07:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#'XXX An interior and exterior appraisal was completed for this property – see pgXX-XX,, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX,and copy of the appraisal was given to the borrower #XXX The loan meets XXXX guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX-XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX-XX,, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX,XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX #XXX XXX XXXX XXXXX XXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | 8035980 | N/A | N/A |
| XXXX | 10194930 |  |  | Closed | 2026-03-11 01:40 | 2026-03-16 07:18 | Resolved | 1 - Information A | Compliance | Mavent | HigherPriced: APR | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-You submitted no impound amounts for property taxes on this XXXX loan. XXXXXXXXXX X prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#'XXX An interior and exterior appraisal was completed for this property – see pgXX-XX,, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower #XXX #The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXXX XX XXXXXXX XXXXXXX XXX XXXXXXXX XXXXX XX XXXX XXXX XXXX. XXXXXXXXXX X XXXXXXXXX X XXXXXX XXXX XXXXXX X XXXXX XXXX XXXXXX XXXXXX XXXXXXXX XXXX XXXXXX XX XXXXXX XXXXXXX XX XXXXXXXXXXX XXXXXX XXXXXXXXXXXX XXX XXXXXXX XX XXXXXXXX XXXXX XXX XXXXXXXX XXX XXXXXXXX-XXXXXXX XXXXXXXXX. X XXXXXXXX XX XXXXXXXX XXX XXX XXXXXX XXX XXXXXX XXXXXXX XXXXX XXX XXXXXXX XX: (X) XXXXXXXXXXX XX XXX XXXXXXXXXX XXXX XXXXXXXXXX XX (X) XXXX XXXXX XXXXX XXXXXXXXXXXX XX XXX XXXXXX XXXXXXXXX XXXXXXX XX XXXX XXXX XX% XX XXX XXXXXXXX XXXXX XX XXX XXXXXXXX XXX XXX XXXXXXXX XX XXX XXXXXXXXXX XX XX XXXXXXX XX XXX XXXXXXXXXX XXXX XXXXXXXXXX. (XX XXX XXXX.XX(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX-XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX-XX,, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX #XXX #XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | 8035982 | N/A | N/A |
| XXXX | 10200621 |  |  | Closed | 2026-03-12 06:05 | 2026-03-19 06:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Id is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DL uploaded - Seller-XX/XX/XXXX <br>Open-Borrower X Citizenship Documentation Is Missing Required Borrower Citizenship document . - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DL uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXXXXX XXXXXXXXXXXXX XXXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XX.XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8067036 | N/A | N/A |
| XXXX | 10200621 |  |  | Closed | 2026-03-12 06:53 | 2026-03-18 04:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Id is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DL uploaded - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide valid Photo identification - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DL uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XX.XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8067999 | N/A | N/A |
| XXXX | 10200636 |  |  | Closed | 2026-03-13 12:17 | 2026-03-18 06:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit Report is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Credit Report is Missing. The credit report dated XX/XX/XXXX was obtained after the Note date of XX/XX/XXXX. Please provide a credit report pulled prior to the Note date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8102806 | N/A | N/A |
| XXXX | 10200660 |  |  | Closed | 2026-03-18 10:53 | 2026-04-01 09:32 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Second statement provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Feb month statement uploaded. - Seller-XX/XX/XXXX <br>Open-XXXX account #XXXX missing second consecutive statement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Feb month statement uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXX X XXXXX X/X XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX 'XX XXXX- XXXX XXXXXXXXX .XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8187903 | N/A | N/A |
| XXXX | 10200660 |  |  | Closed | 2026-03-16 06:28 | 2026-04-01 01:45 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage is less than Loan amount, provided updated title document, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title commitment covering the loan amount uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount $XXX,XXX is less than loan amount $XXX,XXX, in the Title document #XXXXXX_Doc.zip\Closing_Docs\XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Title commitment covering the loan amount uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XX XXXX XXXX XXXX XXXXXX, XXXXXXXX XXXXXXX XXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XX-XX-XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8122816 | N/A | N/A |
| XXXX | 10200660 |  |  | Closed | 2026-03-18 10:54 | 2026-03-25 09:18 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Two months statements provided. Latest statement shows zero balance now. Removed assets. Still good on reserves. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached is the full statement for the month of December. Account XXXX Jan statement has been uploaded. - Seller-XX/XX/XXXX <br>Open-XXXX account #XXXX missing pages for December statement and missing second consecutive statement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Attached is the full statement for the month of December. Account XXXX Jan statement has been uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XXXXXXXXXX XXXXXXXX. XXXXXX XXXXXXXXX XXXXX XXXX XXXXXXX XXX. XXXXXXX XXXXXX. XXXXX XXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX - XXXX.XXX_XXXXX_<br> XXX - XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8187920 | N/A | N/A |
| XXXX | 10200697 |  |  | Closed | 2026-03-13 06:06 | 2026-03-18 02:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Employment authorization card provided, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Visa uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Non US Citizenship (Visa) Document is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Visa uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXXXXXXX XXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8091830 | N/A | N/A |
| XXXX | 10179434 |  |  | Closed | 2026-03-16 22:18 | 2026-03-24 09:04 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing PCCD. | Resolved-received confirmation of XXXXXX.XX plus XXX = XXXXXX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-$XXX,XXX.XX + XXX=$XXX,XXX.XX Two separate wires were done. Total funds to close equal $XXX,XXX.XX. Please escalate to management - Seller-XX/XX/XXXX <br>Counter-final CD shows cash to close is $XXX,XXX.XX vs wire of $XXX,XXX.XX. difference of $XXX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. No PCCD needed, on bank statement XXXX XX XXXXXXX transaction history there ins a transfer to title for $XXX - Seller-XX/XX/XXXX <br>Open-Require PCCD with updated cash to close amount, since wire proof of amount $XXX,XXX.XX was transferred on closing as per proof pg-XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-$XXX,XXX.XX + XXX=$XXX,XXX.XX Two separate wires were done. Total funds to close equal $XXX,XXX.XX. Please escalate to management - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. No PCCD needed, on bank statement XXXX XX XXXXXXX transaction history there ins a transfer to title for $XXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXXXXXX XX XXXXXX.XX XXXX XXX = XXXXXX.XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXX XXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | 8142115 | N/A | N/A |
| XXXX | 10179434 |  |  | Closed | 2026-03-16 20:31 | 2026-03-20 01:06 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated Final XXXX & XXXX document uploaded with monthly tax amount, DTI matches the XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-DTI discrepancy is due to tax amount. In file U/W didn't consider tax amount for DTI. But in file tax cert for subject is available on pg-XXX and no supporting document provided in file stating taxes are excluded from monthly payments. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX & XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXX XXX XXXXXX, XXX XXXXXXX XXX XXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX - XXXX, XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | 8141955 | N/A | N/A |
| XXXX | 10194931 |  |  | Closed | 2026-03-17 20:19 | 2026-03-25 12:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-COC uploaded - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC completed on X/XX disclosing Income, DTI and documentation type changes, impacting the lender credit.<br> COC and Redisclosure completed on X/XX, due to a Program type change from XXXX XXXXX XXX-XX loan type to XXX-XX loan type. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($XX.XX). 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. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Provide COC for decrease in lender credits from LE $XXX to Final CD $XX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. COC completed on X/XX disclosing Income, DTI and documentation type changes, impacting the lender credit.<br> COC and Redisclosure completed on X/XX, due to a Program type change from XXXX XXXXX XXX-XX loan type to XXX-XX loan type. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX X-XX-XX XX XXXXXXXXXXXX XXX XXX XXXX.XXX_XXXXX_<br> XXXXXX X-XX-XX XXXXXXXXXXXX XXX XXXXXXXX XXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8173696 | N/A | N/A |
| XXXX | 10194947 |  |  | Closed | 2026-03-17 04:21 | 2026-06-09 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd party VOE provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VOE - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Per XX XX.XX.XXXX page #XX, for wage or salaried employees, a verbal VOE dated no more than XX calendar days prior to Note date. hence, provide VOE for XXX employer as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. VOE - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8145550 | N/A | N/A |
| XXXX | 10194947 |  |  | Closed | 2026-03-17 04:21 | 2026-06-09 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Worksheet Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income Worksheet - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Per the final XXXX and XXXX, borrower is receiving a monthly income of $X,XXX from XXX employer and $X,XXX.XX from self employment. Provide lender income calculation worksheet validating these incomes as the worksheets are not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Income Worksheet - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXX XXXXXXXXXXX XXXXXXXXX X.X XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8145551 | N/A | N/A |
| XXXX | 10194947 |  |  | Closed | 2026-03-17 04:48 | 2026-03-27 09:12 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-received updated XXXX with DTI which are inline with TPR - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX and Seller Certificate - Seller-XX/XX/XXXX <br>Counter-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-per prelim title page XXX $X,XXX.XX /X = $X,XXX.XX. XXXX has XXX for taxes. Difference is +XXX.XX per month<br> all other monthly pmts per XXXX page XXX $X,XXX.XX. audited is $XXX as auto being paid off. diff - XXXX.XX<br>XXXX.XX - XXX.XX = $X,XXX.XX<br>originator XX.XX% // XX.XX%<br> audited XX.XX% // XX.XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX <br>Open-Audited HTI & DTI are XX.XX% and XX.XX% whereas lender HTI & DTI per XXXX document are XX.XX% and XX.XX%. The difference is X.XX% and X.XX% respectively.<br>This difference arises due to (X) lender considered tax amount as $XXX whereas per our review it is $X,XXX.XX per title page #XXX (X) lender considered monthly debt as $X,XXX.XX whereas per our review it is only $XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX and Seller Certificate - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXX XXXX XXX XXXXX XXX XXXXXX XXXX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX_XXXXXX XXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXX XXX XXX XXXXXXXXXX XX XXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXX XXX XXX XXXXXXXXXX XX XXXXXXX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> XXXX_XXXXXX XXXXXXXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8145818 | N/A | N/A |
| XXXX | 10179335 |  |  | Closed | 2026-03-18 05:00 | 2026-03-23 02:08 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Unable to verify complete XX month housing history, provided Transaction history for Borrower Previous address on Findings, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Verified X months of Housing History, XX months housing history required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XX XXXXXX XXXXXXXX XX XXXXX XXXXXXX XXXXXXX, XXXXXXXX XXXXXXXXXXX XXXXXXX XXX XXXXXXXX XXXXXXXX XXXXXXX XX XXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XXXX | Second Home | Refinance | No Cash Out - Borrower Initiated | 8179056 | N/A | N/A |
| XXXX | 10194949 |  |  | Closed | 2026-03-19 09:37 | 2026-03-24 01:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | 8213495 | N/A | N/A |
| XXXX | 10194929 |  |  | Closed | 2026-03-23 07:23 | 2026-04-03 08:52 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-XXXX is not attached - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached & also supporting documentation for DTI. <br> - Seller-XX/XX/XXXX <br>Counter-Also, monthly debts reflect XXXX.XX and audited is XXX monthly? - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Tax Rate should help the DTI issue - Seller-XX/XX/XXXX <br>Open-Audited DTI is XX.XX% and lender DTI is XX.XX%. The difference is X.XX% which is occurred due to lender considered tax amount as $X,XXX.XX whereas per our review it is only $XXXX.XX per tax cert on page #XXXX. Also, monthly debts reflect XXXX.XX and audited is XXX monthly? - Due Diligence Vendor-XX/XX/XXXX | received clarification in liabilities and rental income - DTIs within tolerance - XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached & also supporting documentation for DTI. <br> - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Tax Rate should help the DTI issue - Seller-XX/XX/XXXX<br>| _XXXXX_ | XXXXXXXX XXX XXXX.XXX_XXXXX_<br> XXXXXXX XX XXXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 8262981 | N/A | N/A |
| XXXX | 10194929 |  |  | Closed | 2026-03-23 06:58 | 2026-04-03 08:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Property tax bill shows current rate. Took this rate times the purchase price. - Seller-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Per tax cert on page #XXXX, tax amount is $X,XXX.XX (or $X,XXX.XX semi annually). However, XXXX and final CD estimated escrow the tax amount is $X,XXX.XX. Provide proof of document for this $X,XXX.XX tax amount as it is not included in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Property tax bill shows current rate. Took this rate times the purchase price. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XX XXXXXXXX XXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXX XXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 8262546 | N/A | N/A |
| XXXX | 10194929 |  |  | Closed | 2026-03-26 13:44 | 2026-03-31 12:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. There was a valid COC completed on X-XX-XX due to escrows being removed which impacted the discount points. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <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: Loan Discount Fee, Credit Report 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. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(X)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. There was a valid COC completed on X-XX-XX due to escrows being removed which impacted the discount points. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXX X-XX-XX.XXX_XXXXX_<br> XXXX XX XXXXXXXXXXXX X-XX-XX.XXX |  |  | XXXX | Investment | Purchase | NA | 8345134 | N/A | N/A |
| XXXX | 10194929 |  |  | Closed | 2026-03-23 01:37 | 2026-03-30 01:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Requested Purchase contract document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Escrow instructions take place of the purchase contract - Seller-XX/XX/XXXX <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Its a Non Arm length transaction, and Sales contract is missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Escrow instructions take place of the purchase contract - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXXX XXX XX XXX XXXXXXX, XX XX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | 8256483 | N/A | N/A |
| XXXX | 10179544 |  |  | Closed | 2026-03-27 05:30 | 2026-04-01 03:48 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Settlement proof for Proceeds from sale uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. FSS attached matching wire. - Seller-XX/XX/XXXX <br>Open-Provide settlement statement for proof of sale to source funds per wire on page XXX and per final XXXX page XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. FSS attached matching wire. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXX XXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | 8355552 | N/A | N/A |
| XXXX | 10179362 |  |  | Closed | 2026-03-30 12:03 | 2026-04-02 08:09 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | XXXX - Interest Rate Accrual Warning (Civ. Code) | Resolved-Document Uploaded - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Document Uploaded - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Interest on X/XX - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Under the XXXX Civil Code, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in XXXX prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (XXXX Civ. Code XXXX.X) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Interest on X/XX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX_XXXXX XXX.XXX |  |  | XXXX | Investment | Purchase | NA | 8389903 | N/A | N/A |

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## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.7 - Schedule 5**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | XXXX | 9186029 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.990% | 8.990% | $1857.02 | Yes | 18.000% | $911.28 | $75.94 | $1359.96 | $113.33 | $0.00 | $0.00 | $0.00 | $2046.29 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.173 | 1.173 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 30342.67 | 14.8 | 30342.67 | 14.8 | No | 79.66 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160013 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $3502.43 | Yes | 18.000% | $6079.92 | $506.66 | $8359.80 | $696.65 | $0.00 | $0.00 | $0.00 | $4705.74 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.445 | 1.445 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 230053.50 | 42.6 | 230053.50 | 42.6 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 9856989 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.180% | 7.180% | $604.61 | Yes | 23.000% | $1655.16 | $137.93 | $1159.68 | $96.64 | $350.04 | $29.17 | $0.00 | $868.35 |  | Yes | XXXX | XXXX | $29.17 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.497 | 1.497 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 40613.48 | 46.8 | 80067.77 | 92.2 | No | 82.64 | Yes | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 9957263 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.950% | 7.950% | $2086.88 | Yes | 23.000% | $5240.04 | $436.67 | $1839.96 | $153.33 | $0.00 | $0.00 | $0.00 | $2676.88 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.513 | 1.513 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 118719.27 | 44.3 | 150732.24 | 56.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160034 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $709.46 | Yes | 18.000% | $2169.24 | $180.77 | $885.00 | $73.75 | $0.00 | $0.00 | $0.00 | $963.98 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.323 | 1.323 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | Yes - ITIN Card | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | R-1 Visa | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 117277.89 | 121.7 | 117277.89 | 121.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160028 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 5.990% | 5.990% | $1439.18 | Yes | 18.000% | $4382.52 | $365.21 | $8275.20 | $689.60 | $0.00 | $0.00 | $0.00 | $2493.99 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.802 | 0.802 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2001718.42 | 802.6 | 2219323.11 | 889.9 | No | 44.5 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160085 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $1296.57 | Yes | 18.000% | $7305.60 | $608.80 | $2954.76 | $246.23 | $45.00 | $3.75 | $0.00 | $2155.35 |  | N/A | XXXX | XXXX | $3.75 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.86 | 0.86 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 335680.02 | 155.7 | 335680.02 | 155.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160066 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $1576.83 | Yes | 18.000% | $6702.72 | $558.56 | $2584.44 | $215.37 | $0.00 | $0.00 | $0.00 | $2350.76 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.851 | 0.851 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 454164.53 | 193.2 | 454164.53 | 193.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160184 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.875% | $2433.18 | Yes | 18.000% | $5932.68 | $494.39 | $2094.00 | $174.50 | $0.00 | $0.00 | $0.00 | $3102.07 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.89 | 0.89 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 129697.30 | 41.8 | 129697.30 | 41.8 | No | 59.84 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160035 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $2013.14 | Yes | 18.000% | $7341.24 | $611.77 | $1734.00 | $144.50 | $0.00 | $0.00 | $0.00 | $2769.41 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.95 | 0.95 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 389813.70 | 140.8 | 389813.70 | 140.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160023 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $622.86 | Yes | 18.000% | $2807.76 | $233.98 | $1411.44 | $117.62 | $4332.00 | $361.00 | $0.00 | $1335.46 |  | Yes | XXXX | XXXX | $361.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.819 | 1.079 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 53391.60 | 40 | 53391.60 | 40 | No | 80 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160183 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $3366.11 | Yes | 18.000% | $11504.04 | $958.67 | $2822.04 | $235.17 | $0.00 | $0.00 | $0.00 | $4559.95 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.822 | 0.822 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 40585.98 | 8.9 | 40585.98 | 8.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160071 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1631.75 | Yes | 18.000% | $9642.24 | $803.52 | $1014.96 | $84.58 | $0.00 | $0.00 | $0.00 | $2519.85 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.933 | 0.933 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 102878.55 | 40.8 | 102878.55 | 40.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160048 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $3343.34 | Yes | 18.000% | $20289.12 | $1690.76 | $16359.00 | $1363.25 | $0.00 | $0.00 | $0.00 | $6397.35 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.794 | 0.794 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 46723.38 | 7.3 | 95317.62 | 14.9 | No | 50 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160041 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1565.91 | Yes | 18.000% | $7087.68 | $590.64 | $1548.00 | $129.00 | $125.04 | $10.42 | $0.00 | $2295.97 |  | N/A | XXXX | XXXX | $10.42 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 0.958 | 0.958 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | Passport | XXXX | XXXX | Foreign National | Foreign National | Yes - ITIN Card | Other | VISA | XXXX | XXXX | XXXX | XXXX | XXXX | H-1B Visa | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 332772.57 | 144.9 | 425945.17 | 185.5 | No | 62.71 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160084 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $1191.82 | Yes | 18.000% | $1255.68 | $104.64 | $3890.28 | $324.19 | $0.00 | $0.00 | $0.00 | $1620.65 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.003 | 1.003 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 33315.61 | 20.6 | 64950.56 | 40.1 | No | 79.49 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160015 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1727.06 | Yes | 18.000% | $4388.04 | $365.67 | $475.56 | $39.63 | $3024.00 | $252.00 | $0.00 | $2384.36 |  | Yes | XXXX | XXXX | $252.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.839 | 0.839 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 610723.02 | 256.1 | 610723.02 | 256.1 | No | 71.91 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160096 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $7718.32 | Yes | 18.000% | $6455.52 | $537.96 | $2612.04 | $217.67 | $0.00 | $0.00 | $0.00 | $8473.95 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 0.8 | 0.8 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 26284.30 | 3.1 | 480104.53 | 56.7 | No | 56.67 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160020 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1398.43 | Yes | 18.000% | $9913.20 | $826.10 | $3000.00 | $250.00 | $0.00 | $0.00 | $0.00 | $2474.53 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.95 | 0.95 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 7369.65 | 3 | 160102.10 | 64.7 | No | 67.11 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160092 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1458.15 | Yes | 18.000% | $5571.12 | $464.26 | $1233.96 | $102.83 | $0.00 | $0.00 | $0.00 | $2025.24 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.889 | 0.889 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 59952.61 | 29.6 | 59952.61 | 29.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10088994 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.180% | 7.180% | $6462.00 | Yes | 45.000% | $20382.72 | $1698.56 | $3621.96 | $301.83 | $0.00 | $0.00 | $0.00 | $8462.39 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.064 | 1.064 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 365341.89 | 43.2 | 390723.06 | 46.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10089044 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.970% | 6.970% | $6156.83 | Yes | 23.000% | $18328.32 | $1527.36 | $5208.96 | $434.08 | $0.00 | $0.00 | $0.00 | $8118.27 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.614 | 1.614 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 751182.95 | 92.5 | 751182.95 | 92.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10089100 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $4979.77 | Yes | 24.000% | $2129.64 | $177.47 | $2995.56 | $249.63 | $0.00 | $0.00 | $0.00 | $5406.87 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.11 | 1.11 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 93312.32 | 17.3 | 93312.32 | 17.3 | No | 79.23 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10106283 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $1639.98 | Yes | 24.000% | $4938.36 | $411.53 | $3178.92 | $264.91 | $0.00 | $0.00 | $0.00 | $2316.42 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.705 | 1.533 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 54940.58 | 23.7 | 54940.58 | 23.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10106294 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.890% | 6.890% | $2467.24 | Yes | 23.000% | $6513.24 | $542.77 | $3067.32 | $255.61 | $0.00 | $0.00 | $0.00 | $3265.62 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.629 | 1.629 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 36475.85 | 11.2 | 43203.27 | 13.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10106296 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.530% | 7.530% | $1346.44 | Yes | 24.000% | $4814.52 | $401.21 | $3159.60 | $263.30 | $0.00 | $0.00 | $0.00 | $2010.95 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.624 | 1.616 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 18140.43 | 9 | 18140.43 | 9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10106299 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.700% | 6.700% | $2245.57 | Yes | 23.000% | $2355.00 | $196.25 | $1981.20 | $165.10 | $0.00 | $0.00 | $0.00 | $2606.92 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.548 | 1.548 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 25786.52 | 9.9 | 33607.28 | 12.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10106302 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.960% | 7.960% | $988.28 | No |  | $4772.28 | $397.69 | $2423.64 | $201.97 | $0.00 | $0.00 | $0.00 | $1587.94 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.858 | 1.858 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13931.97 | 8.8 | 13931.97 | 8.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10106330 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $3202.29 | Yes | 45.000% | $3196.80 | $266.40 | $2828.52 | $235.71 | $0.00 | $0.00 | $0.00 | $3704.40 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.154 | 1.154 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 453379.34 | 122.4 | 720075.71 | 194.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10106333 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.123% | 7.122% | $1085.81 | Yes | 23.000% | $3958.20 | $329.85 | $1338.96 | $111.58 | $0.00 | $0.00 | $0.00 | $1527.24 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.441 | 1.44 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 95212.37 | 62.3 | 95212.37 | 62.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10106339 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $1344.22 | Yes | 23.000% | $3828.72 | $319.06 | $1029.96 | $85.83 | $4668.00 | $389.00 | $0.00 | $2138.11 |  | Yes | XXXX | XXXX | $389.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.146 | 1.375 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 23751.21 | 11.1 | 28998.54 | 13.6 | No | 79.31 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10106375 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.820% | 6.820% | $7843.00 | Yes | 24.000% | $16875.24 | $1406.27 | $2000.04 | $166.67 | $0.00 | $0.00 | $0.00 | $9415.94 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.16 | 1.115 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 283377.78 | 30.1 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10106378 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.190% | 7.190% | $2332.70 | Yes | 23.000% | $1749.12 | $145.76 | $4017.96 | $334.83 | $0.00 | $0.00 | $0.00 | $2813.29 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.6 | 1.599 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15990.54 | 5.7 | 22988.64 | 8.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10106383 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.390% | 6.390% | $2550.64 | Yes | 45.000% | $5941.32 | $495.11 | $3739.92 | $311.66 | $0.00 | $0.00 | $0.00 | $3357.41 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.235 | 1.235 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 107.08 | 0 | 193572.08 | 57.7 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10106385 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.800% | 6.800% | $1589.07 | Yes | 23.000% | $1100.16 | $91.68 | $1518.48 | $126.54 | $0.00 | $0.00 | $0.00 | $1807.29 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.328 | 1.294 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 117227.15 | 64.9 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10106389 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.850% | 6.850% | $3276.30 | Yes | 24.000% | $10412.76 | $867.73 | $4459.08 | $371.59 | $0.00 | $0.00 | $0.00 | $4515.62 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.207 | 1.207 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 86482.76 | 19.2 | 100029.62 | 22.2 | No | 79.55 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160025 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $5748.50 | Yes | 18.000% | $8493.00 | $707.75 | $12762.12 | $1063.51 | $0.00 | $0.00 | $0.00 | $7519.76 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.295 | 1.187 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 456945.48 | 53.2 | 456945.48 | 53.2 | Yes | 72.74 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160042 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $629.29 | Yes | 18.000% | $2364.36 | $197.03 | $1763.04 | $146.92 | $0.00 | $0.00 | $0.00 | $973.24 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.233 | 1.233 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 54724.92 | 56.2 | 135993.00 | 139.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160129 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $654.74 | Yes | 18.000% | $1581.36 | $131.78 | $1557.00 | $129.75 | $0.00 | $0.00 | $0.00 | $916.27 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.539 | 1.539 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 8158.62 | 8.9 | 83193.64 | 90.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160039 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $648.02 | Yes | 18.000% | $633.24 | $52.77 | $2903.04 | $241.92 | $0.00 | $0.00 | $0.00 | $942.71 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.856 | 1.856 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 7080.60 | 7.5 | 93006.07 | 98.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160212 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1076.67 | Yes | 18.000% | $3473.76 | $289.48 | $1463.04 | $121.92 | $0.00 | $0.00 | $0.00 | $1488.07 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.909 | 1.909 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 249858.45 | 167.9 | 249858.45 | 167.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160107 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $2027.58 | Yes | 18.000% | $637.56 | $53.13 | $4407.48 | $367.29 | $0.00 | $0.00 | $0.00 | $2448.00 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 0.801 | 0.801 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 17966.68 | 7.3 | 322045.22 | 131.6 | No | 64.36 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160067 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $778.14 | Yes | 18.000% | $871.80 | $72.65 | $1363.80 | $113.65 | $0.00 | $0.00 | $0.00 | $964.44 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.037 | 1.035 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 102838.95 | 106.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160040 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $585.94 | Yes | 18.000% | $1114.32 | $92.86 | $1611.00 | $134.25 | $2640.00 | $220.00 | $0.00 | $1033.05 |  | N/A | XXXX | XXXX | $220.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.162 | 1.162 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 18493.50 | 17.9 | 18493.50 | 17.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160014 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $2669.16 | Yes | 18.000% | $7962.00 | $663.50 | $3184.20 | $265.35 | $0.00 | $0.00 | $0.00 | $3598.01 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.091 | 1.091 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 48170.61 | 14.7 | 48170.61 | 14.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160136 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $562.70 | Yes | 18.000% | $1335.72 | $111.31 | $1073.04 | $89.42 | $0.00 | $0.00 | $0.00 | $763.43 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.113 | 1.113 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1384.30 | 1.8 | 68957.29 | 90.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160153 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $744.39 | Yes | 18.000% | $974.88 | $81.24 | $1460.40 | $121.70 | $0.00 | $0.00 | $0.00 | $947.33 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.404 | 1.404 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 7588.74 | 8 | 7588.74 | 8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160158 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1813.02 | Yes | 18.000% | $12343.20 | $1028.60 | $2217.00 | $184.75 | $1200.00 | $100.00 | $0.00 | $3126.37 |  | N/A | XXXX | XXXX | $100.00 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.8 | 0.8 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 39639.00 |  | 39639.00 |  | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160089 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $798.87 | Yes | 18.000% | $2258.52 | $188.21 | $2607.96 | $217.33 | $0.00 | $0.00 | $0.00 | $1204.41 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.925 | 0.925 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 147396.08 | 122.4 | 178502.68 | 148.2 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160188 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $598.18 | Yes | 18.000% | $3787.68 | $315.64 | $2444.04 | $203.67 | $0.00 | $0.00 | $0.00 | $1117.49 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.235 | 1.235 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 17501.04 | 15.7 | 88493.76 | 79.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160233 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $972.89 | Yes | 18.000% | $3297.84 | $274.82 | $1172.04 | $97.67 | $0.00 | $0.00 | $0.00 | $1345.38 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.115 | 1.115 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 32282.17 | 24 | 32282.17 | 24 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160205 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | $649.69 | Yes | 18.000% | $1561.92 | $130.16 | $1509.48 | $125.79 | $0.00 | $0.00 | $0.00 | $905.64 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  | 3 - Verified<2Mos |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.684 | 1.684 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | O-1A Visa | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 137651.50 | 152 | 137651.50 | 152 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10083049 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $2867.55 | No |  | $2520.00 | $210.00 | $1103.04 | $91.92 | $1812.00 | $151.00 | $0.00 | $3320.47 |  | N/A | XXXX | XXXX | $151.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.009 | 1.006 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 32628.07 | 9.8 | 32628.07 | 9.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160029 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $5950.44 | Yes | 18.000% | $12789.36 | $1065.78 | $11060.40 | $921.70 | $0.00 | $0.00 | $0.00 | $7937.92 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.138 | 1.12 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 107378.77 | 12.1 | 594349.65 | 67.1 | Yes | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160121 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.625% | 7.625% | $1698.70 | Yes | 18.000% | $3823.32 | $318.61 | $3034.56 | $252.88 | $0.00 | $0.00 | $0.00 | $2270.19 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.363 | 1.363 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 36520.66 | 14.5 | 147245.09 | 58.4 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160022 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1175.87 | Yes | 18.000% | $3050.40 | $254.20 | $1407.96 | $117.33 | $0.00 | $0.00 | $0.00 | $1547.40 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.008 | 1.008 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 678 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13333.61 | 8.6 | 13333.61 | 8.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160091 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $1128.61 | Yes | 18.000% | $1943.16 | $161.93 | $2394.96 | $199.58 | $0.00 | $0.00 | $0.00 | $1490.12 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.007 | 1.007 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11490.53 | 7.7 | 11490.53 | 7.7 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160012 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $911.69 | Yes | 18.000% | $2654.04 | $221.17 | $1272.00 | $106.00 | $0.00 | $0.00 | $0.00 | $1238.86 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.695 | 1.695 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13183.32 | 10.6 | 13183.32 | 10.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160160 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.125% | 6.125% | $2308.92 | Yes | 18.000% | $19598.28 | $1633.19 | $1529.04 | $127.42 | $0.00 | $0.00 | $0.00 | $4069.53 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.899 | 0.899 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13000.00 | 3.2 | 347119.92 | 85.3 | No | 44.44 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160037 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1090.74 | Yes | 18.000% | $1705.44 | $142.12 | $1527.00 | $127.25 | $0.00 | $0.00 | $0.00 | $1360.11 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.176 | 1.176 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 123053.38 | 90.5 | 123053.38 | 90.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149843 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.170% | 7.170% | $1471.95 | Yes | 23.000% | $3371.16 | $280.93 | $2325.36 | $193.78 | $0.00 | $0.00 | $0.00 | $1946.66 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.618 | 1.617 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12000.08 | 6.2 | 19274.49 | 9.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 9610764 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.650% | 6.650% | $4082.90 | Yes | 45.000% | $11800.56 | $983.38 | $4176.36 | $348.03 | $0.00 | $0.00 | $0.00 | $5414.31 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.145 | 1.148 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 45410.25 | 8.4 | 62331.28 | 11.5 | No | 73.95 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149845 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.640% | 7.640% | $3827.66 | Yes | 24.000% | $5628.60 | $469.05 | $2547.00 | $212.25 | $0.00 | $0.00 | $0.00 | $4508.96 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.109 | 1.109 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 145724.10 | 32.3 | 159267.42 | 35.3 | No | 73.97 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149846 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.760% | 7.760% | $1613.48 | Yes | 24.000% | $4754.04 | $396.17 | $4336.08 | $361.34 | $0.00 | $0.00 | $0.00 | $2370.99 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.561 | 1.392 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No |  | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 4840.44 | 2 | 19125.01 | 8.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149850 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.630% | 7.630% | $2275.95 | Yes | 23.000% | $5701.20 | $475.10 | $3861.00 | $321.75 | $0.00 | $0.00 | $0.00 | $3072.80 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.139 | 1.139 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 21925.03 | 7.1 | 21925.03 | 7.1 | No | 76.52 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149855 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.970% | 6.970% | $696.45 | Yes | 23.000% | $1874.04 | $156.17 | $1061.28 | $88.44 | $0.00 | $0.00 | $0.00 | $941.06 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.488 | 1.488 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 28423.26 | 30.2 | 31714.95 | 33.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149856 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.140% | 7.140% | $617.38 | Yes | 23.000% | $2413.68 | $201.14 | $1400.64 | $116.72 | $0.00 | $0.00 | $0.00 | $935.24 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.337 | 1.339 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 182875.13 | 195.5 | 202099.03 | 216.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149860 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.800% | 7.800% | $4607.17 | Yes | 24.000% | $6241.08 | $520.09 | $1452.96 | $121.08 | $0.00 | $0.00 | $0.00 | $5248.34 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.598 | 1.598 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 561288.34 | 107 | 561288.34 | 107 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149862 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.710% | 7.710% | $562.00 | Yes | 24.000% | $2011.56 | $167.63 | $2070.96 | $172.58 | $0.00 | $0.00 | $0.00 | $902.21 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.995 | 1.995 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 9552.10 | 10.6 | 39856.96 | 44.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149864 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | $523.90 | Yes | 23.000% | $766.32 | $63.86 | $1646.88 | $137.24 | $0.00 | $0.00 | $0.00 | $725.00 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.517 | 1.517 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 50358.61 | 69.5 | 52661.33 | 72.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149866 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.520% | 7.520% | $1691.91 | Yes | 24.000% | $4790.52 | $399.21 | $1635.96 | $136.33 | $0.00 | $0.00 | $0.00 | $2227.45 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.122 | 1.122 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 3241.19 | 1.5 | 63730.94 | 28.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149867 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $727.77 | Yes | 23.000% | $2141.88 | $178.49 | $1545.48 | $128.79 | $0.00 | $0.00 | $0.00 | $1035.05 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.473 | 1.473 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | US Citizen | N/A |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 27975.33 | 27 | 48151.76 | 46.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149870 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.720% | 6.720% | $2091.12 | Yes | 23.000% | $150.24 | $12.52 | $807.00 | $67.25 | $1344.00 | $112.00 | $0.00 | $2282.89 |  | N/A | XXXX | XXXX | $112.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.227 | 1.051 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 149027.24 | 65.3 | No | 66 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149873 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.770% | 6.770% | $497.19 | Yes | 23.000% | $2794.68 | $232.89 | $1118.04 | $93.17 | $0.00 | $0.00 | $0.00 | $823.25 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.458 | 1.458 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12543.88 | 15.2 | 12543.88 | 15.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149874 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.380% | 7.380% | $1088.35 | Yes | 45.000% | $3069.48 | $255.79 | $546.96 | $45.58 | $3096.00 | $258.00 | $0.00 | $1647.72 |  | Yes | XXXX | XXXX | $258.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.517 | 1.517 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 137354.70 | 83.4 | 156483.39 | 95 | No | 67.02 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149875 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.070% | 8.070% | $609.39 | Yes | 23.000% | $1036.20 | $86.35 | $3991.68 | $332.64 | $0.00 | $0.00 | $0.00 | $1028.38 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.167 | 1.167 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 6000.23 | 5.8 | 8497.46 | 8.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149878 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.800% | 6.800% | $1799.31 | Yes | 23.000% | $6476.16 | $539.68 | $1926.00 | $160.50 | $0.00 | $0.00 | $0.00 | $2499.49 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.12 | 1.12 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 451546.21 | 180.7 | 451546.21 | 180.7 | No | 78.86 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149881 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.420% | 7.420% | $508.83 | Yes | 23.000% | $1077.00 | $89.75 | $1376.04 | $114.67 | $0.00 | $0.00 | $0.00 | $713.25 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.052 | 1.052 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11393.61 | 16 | 26139.76 | 36.7 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149884 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.610% | 7.610% | $865.78 | Yes | 23.000% | $2342.04 | $195.17 | $483.96 | $40.33 | $3276.00 | $273.00 | $0.00 | $1374.28 |  | N/A | XXXX | XXXX | $273.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.164 | 1.163 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 107332.17 | 78.1 | 107332.17 | 78.1 | No | 66.22 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149885 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.610% | 7.610% | $920.20 | Yes | 23.000% | $2103.24 | $175.27 | $617.04 | $51.42 | $2148.00 | $179.00 | $0.00 | $1325.89 |  | Yes | XXXX | XXXX | $179.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.131 | 1.131 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 101701.67 | 76.7 | 105668.03 | 79.7 | No | 70 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149886 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.630% | 7.630% | $708.85 | Yes | 23.000% | $1941.24 | $161.77 | $542.04 | $45.17 | $2712.00 | $226.00 | $0.00 | $1141.79 |  | Yes | XXXX | XXXX | $226.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.095 | 1.088 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1615.72 | 1.4 | 44924.71 | 39.4 | No | 70 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149887 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.820% | 7.820% | $721.26 | Yes | 23.000% | $2039.40 | $169.95 | $617.04 | $51.42 | $2880.00 | $240.00 | $0.00 | $1182.63 |  | Yes | XXXX | XXXX | $240.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.057 | 1.057 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1615.72 | 1.4 | 47910.19 | 40.5 | No | 72.46 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149888 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.290% | 7.290% | $1027.34 | Yes | 23.000% | $1550.88 | $129.24 | $1809.96 | $150.83 | $0.00 | $0.00 | $0.00 | $1307.41 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.224 | 1.224 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 80137.88 | 61.3 | 84060.11 | 64.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149889 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.710% | 6.710% | $547.44 | Yes | 23.000% | $2043.48 | $170.29 | $1221.96 | $101.83 | $0.00 | $0.00 | $0.00 | $819.56 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.336 | 1.336 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 23477.50 | 28.6 | 26317.31 | 32.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149891 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $2433.78 | Yes | 23.000% | $4228.92 | $352.41 | $2804.16 | $233.68 | $0.00 | $0.00 | $0.00 | $3019.87 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.192 | 1.192 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 47132.90 | 15.6 | 56192.51 | 18.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149892 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.720% | 6.720% | $775.93 | Yes | 24.000% | $2494.44 | $207.87 | $1405.20 | $117.10 | $0.00 | $0.00 | $0.00 | $1100.90 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 2.543 | 2.543 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 23654.10 | 21.5 | 27996.15 | 25.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149894 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.580% | 7.580% | $597.23 | Yes | 23.000% | $2176.44 | $181.37 | $1275.00 | $106.25 | $0.00 | $0.00 | $0.00 | $884.85 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.3 | 1.3 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 5898.90 | 6.7 | 8553.42 | 9.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149895 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $1121.56 | Yes | 23.000% | $2820.00 | $235.00 | $1863.00 | $155.25 | $0.00 | $0.00 | $0.00 | $1511.81 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.224 | 1.224 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 194829.51 | 128.9 | 204843.00 | 135.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149897 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.820% | 6.820% | $1376.41 | Yes | 23.000% | $6098.88 | $508.24 | $1836.00 | $153.00 | $0.00 | $0.00 | $0.00 | $2037.65 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.35 | 1.346 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 55822.92 | 27.4 | 55822.92 | 27.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149901 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.100% | 7.100% | $860.20 | Yes | 23.000% | $1511.04 | $125.92 | $1531.68 | $127.64 | $0.00 | $0.00 | $0.00 | $1113.76 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.571 | 1.571 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 3932.83 | 3.5 | 7274.11 | 6.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149902 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.620% | 6.620% | $1484.75 | Yes | 23.000% | $1743.00 | $145.25 | $2280.60 | $190.05 | $0.00 | $0.00 | $0.00 | $1820.05 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.429 | 1.429 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 52734.13 | 29 | 58194.26 | 32 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149903 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.220% | 8.220% | $734.18 | Yes | 23.000% | $1620.48 | $135.04 | $811.80 | $67.65 | $0.00 | $0.00 | $0.00 | $936.87 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.388 | 1.388 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 5671.58 | 6.1 | 18821.78 | 20.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149904 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $792.55 | Yes | 23.000% | $725.16 | $60.43 | $1100.04 | $91.67 | $0.00 | $0.00 | $0.00 | $944.65 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.403 | 1.403 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 35714.58 | 37.8 | 87260.91 | 92.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149908 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | $1058.27 | Yes | 23.000% | $1528.20 | $127.35 | $1705.32 | $142.11 | $0.00 | $0.00 | $0.00 | $1327.73 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 4 - Verified 2+ Mos |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Unknown | Unknown | Unknown |  | .00 |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.808 | 1.638 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 | 727 | 760 | 723 |  |  |  | 727 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 18759.24 | 14.1 | 92703.86 | 69.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | Member on Behalf of Entity | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149909 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.810% | 6.810% | $1983.88 | Yes | 45.000% | $4783.80 | $398.65 | $4860.96 | $405.08 | $0.00 | $0.00 | $0.00 | $2787.61 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.65 | 1.65 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 19699.29 | 7.1 | 28062.18 | 10.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149910 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.030% | 7.030% | $1561.53 | Yes | 23.000% | $459.72 | $38.31 | $4619.88 | $384.99 | $0.00 | $0.00 | $0.00 | $1984.83 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.058 | 1.058 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 26100.35 | 13.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149911 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.370% | 8.370% | $717.93 | Yes | 23.000% | $1686.96 | $140.58 | $951.00 | $79.25 | $0.00 | $0.00 | $0.00 | $937.76 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.2 | 1.2 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 8484.86 | 9 | 22811.31 | 24.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149914 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.800% | 6.800% | $2153.79 | Yes | 23.000% | $2370.72 | $197.56 | $1821.60 | $151.80 | $0.00 | $0.00 | $0.00 | $2503.15 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.029 | 1.029 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 43121.88 | 17.2 | 43121.88 | 17.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149915 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $1276.04 | Yes | 45.000% | $4125.00 | $343.75 | $1897.32 | $158.11 | $0.00 | $0.00 | $0.00 | $1777.90 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.199 | 1.199 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 8 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 5 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | Permanent Non-US Citizen |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 182709.50 | 102.8 | 195611.47 | 110 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149918 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $1396.35 | Yes | 45.000% | $4936.68 | $411.39 | $2179.44 | $181.62 | $0.00 | $0.00 | $0.00 | $1989.36 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.189 | 1.189 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | US Citizen | N/A |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 159391.15 | 80.1 | 165359.11 | 83.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149919 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $1440.10 | Yes | 45.000% | $5203.32 | $433.61 | $1845.48 | $153.79 | $0.00 | $0.00 | $0.00 | $2027.50 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  | 4 - Verified 2+ Mos |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.036 | 1.036 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | Permanent Non-US Citizen | N/A | I-551 Permanent Resident Card |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 165473.77 | 81.6 | 295657.77 | 145.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149920 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $1531.25 | Yes | 45.000% | $5426.04 | $452.17 | $2386.80 | $198.90 | $0.00 | $0.00 | $0.00 | $2182.32 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  | 1 - Not Stated Not Verified |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.334 | 1.334 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | Permanent Non-US Citizen |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 182709.50 | 83.7 | 327360.17 | 150 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149923 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.530% | 6.530% | $634.04 | Yes | 23.000% | $1166.04 | $97.17 | $2091.96 | $174.33 | $0.00 | $0.00 | $0.00 | $905.54 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 2.126 | 2.126 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 163279.89 | 180.3 | 166190.85 | 183.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149924 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.540% | 6.540% | $659.58 | Yes | 23.000% | $1827.96 | $152.33 | $2091.96 | $174.33 | $0.00 | $0.00 | $0.00 | $986.24 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 2.231 | 2.21 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 157141.89 | 175.6 | 157141.89 | 175.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149926 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.600% | 6.600% | $1922.36 | Yes | 45.000% | $6556.56 | $546.38 | $1328.88 | $110.74 | $0.00 | $0.00 | $0.00 | $2579.48 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 1 - Not Stated Not Verified |  |  |  |  |  | Unknown | Unknown | Unknown |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.047 | 1.047 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 | 754 | 762 | 795 |  |  |  | 762 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .01 | 0 | 148754.45 | 57.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | Member on Behalf of Entity | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149930 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.870% | 6.870% | $1369.00 | Yes | 24.000% | $3988.32 | $332.36 | $2423.28 | $201.94 | $0.00 | $0.00 | $0.00 | $1903.30 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.931 | 1.931 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NY | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 21906.76 | 11.5 | 43966.66 | 23.1 | No | 81.13 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 10149931 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $2013.48 | Yes | 23.000% | $8409.36 | $700.78 | $1899.96 | $158.33 | $0.00 | $0.00 | $0.00 | $2872.59 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.044 | 1.05 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 20742.20 | 7.2 | 37042.47 | 12.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149932 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.950% | 6.950% | $1456.29 | Yes | 23.000% | $6940.32 | $578.36 | $2250.96 | $187.58 | $0.00 | $0.00 | $0.00 | $2222.23 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.26 | 1.26 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | US Citizen | N/A |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15869.63 | 7.1 | 22536.32 | 10.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149936 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.710% | 6.710% | $2030.84 | Yes | 23.000% | $7431.00 | $619.25 | $1320.96 | $110.08 | $1116.00 | $93.00 | $0.00 | $2853.17 |  | N/A | XXXX | XXXX | $93.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.227 | 1.227 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 31395.77 | 11 | 39676.28 | 13.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149937 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.940% | 6.940% | $1216.75 | Yes | 23.000% | $7725.12 | $643.76 | $1714.20 | $142.85 | $0.00 | $0.00 | $0.00 | $2003.36 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.448 | 1.448 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 145188.95 | 72.5 | 145188.95 | 72.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149938 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.730% | 7.730% | $718.61 | Yes | 23.000% | $306.00 | $25.50 | $1047.00 | $87.25 | $0.00 | $0.00 | $0.00 | $831.36 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.504 | 1.504 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 47007.15 | 56.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149939 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.390% | 7.390% | $885.37 | Yes | 23.000% | $2968.32 | $247.36 | $1794.00 | $149.50 | $0.00 | $0.00 | $0.00 | $1282.23 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.306 | 1.306 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 31614.25 | 24.7 | 35460.85 | 27.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149941 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.620% | 7.620% | $689.76 | Yes | 23.000% | $1259.52 | $104.96 | $1307.04 | $108.92 | $0.00 | $0.00 | $0.00 | $903.64 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.217 | 1.217 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 15193.58 | 16.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149943 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.120% | 7.120% | $618.67 | Yes | 23.000% | $755.28 | $62.94 | $891.00 | $74.25 | $0.00 | $0.00 | $0.00 | $755.86 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.72 | 1.722 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 380281.13 | 503.1 | 380281.13 | 503.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149944 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.220% | 8.220% | $646.15 | Yes | 23.000% | $723.00 | $60.25 | $762.96 | $63.58 | $0.00 | $0.00 | $0.00 | $769.98 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.818 | 1.818 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 332765.13 | 432.2 | 335075.07 | 435.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149947 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.420% | 6.420% | $776.63 | Yes | 23.000% | $1523.52 | $126.96 | $978.00 | $81.50 | $0.00 | $0.00 | $0.00 | $985.09 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.726 | 1.726 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 6455.68 | 6.6 | 6455.68 | 6.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149949 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.820% | 6.820% | $1038.68 | Yes | 23.000% | $2379.84 | $198.32 | $1549.08 | $129.09 | $0.00 | $0.00 | $0.00 | $1366.09 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.208 | 1.208 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 39469.42 | 28.9 | 110402.91 | 80.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149950 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.470% | 7.470% | $836.59 | Yes | 23.000% | $3120.36 | $260.03 | $1018.56 | $84.88 | $0.00 | $0.00 | $0.00 | $1181.50 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.227 | 1.255 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 70919.55 | 60 | 74384.73 | 63 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149951 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.670% | 6.670% | $2653.57 | Yes | 23.000% | $5828.52 | $485.71 | $1818.00 | $151.50 | $0.00 | $0.00 | $0.00 | $3290.78 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.216 | 1.217 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 33469.88 | 10.2 | 52782.19 | 16 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149953 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.950% | 6.950% | $1474.49 | Yes | 23.000% | $927.00 | $77.25 | $1566.00 | $130.50 | $0.00 | $0.00 | $0.00 | $1682.24 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.456 | 1.456 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .01 | 0 | 108012.79 | 64.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149954 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.020% | 8.020% | $738.84 | Yes | 23.000% | $1236.72 | $103.06 | $1317.00 | $109.75 | $0.00 | $0.00 | $0.00 | $951.65 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.471 | 1.471 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 304099.23 | 319.5 | 312970.23 | 328.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149956 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.950% | 6.950% | $2339.99 | Yes | 24.000% | $6786.60 | $565.55 | $1724.04 | $143.67 | $0.00 | $0.00 | $0.00 | $3049.21 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.148 | 1.148 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15356.81 | 5 | 50349.33 | 16.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149960 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.720% | 6.720% | $1267.35 | Yes | 23.000% | $3861.12 | $321.76 | $2344.56 | $195.38 | $0.00 | $0.00 | $0.00 | $1784.49 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.11 | 1.11 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 205632.03 | 115.2 | 205632.03 | 115.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149962 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.730% | 6.730% | $2446.68 | Yes | 23.000% | $6287.04 | $523.92 | $2153.04 | $179.42 | $0.00 | $0.00 | $0.00 | $3150.02 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.079 | 1.079 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 4689.99 | 1.5 | 85953.01 | 27.3 | No | 69.36 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149963 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.950% | 6.950% | $1237.97 | Yes | 23.000% | $3490.44 | $290.87 | $2251.80 | $187.65 | $600.00 | $50.00 | $0.00 | $1766.49 |  | N/A | XXXX | XXXX | $50.00 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.217 | 1.217 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 278816.88 | 157.8 | 50057.88 | 28.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149964 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.950% | 6.950% | $1243.40 | Yes | 23.000% | $3661.80 | $305.15 | $2008.44 | $167.37 | $600.00 | $50.00 | $0.00 | $1765.92 |  | N/A | XXXX | XXXX | $50.00 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.161 | 1.161 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 28474.58 | 16.1 | 33622.34 | 19 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149965 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.950% | 6.950% | $1243.40 | Yes | 23.000% | $3838.44 | $319.87 | $2241.48 | $186.79 | $600.00 | $50.00 | $0.00 | $1800.06 |  | N/A | XXXX | XXXX | $50.00 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.194 | 1.194 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 24724.28 | 13.7 | 24724.28 | 13.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149966 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.680% | 7.680% | $533.69 | Yes | 23.000% | $1200.00 | $100.00 | $474.00 | $39.50 | $0.00 | $0.00 | $0.00 | $673.19 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.003 | 1.05 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 338417.19 | 502.7 | 338417.19 | 502.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149967 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.660% | 7.660% | $532.65 | Yes | 23.000% | $615.00 | $51.25 | $516.00 | $43.00 | $0.00 | $0.00 | $0.00 | $626.90 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.372 | 1.373 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 338421.18 | 539.8 | 340296.15 | 542.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149968 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.360% | 7.300% | $543.10 | Yes | 23.000% | $870.00 | $72.50 | $1295.88 | $107.99 | $0.00 | $0.00 | $0.00 | $723.59 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 2.073 | 2.073 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 38862.28 | 53.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149969 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.620% | 6.620% | $2307.13 | Yes | 23.000% | $2910.24 | $242.52 | $3121.08 | $260.09 | $0.00 | $0.00 | $0.00 | $2809.74 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.42 | 1.42 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 160034.67 | 57 | 168948.83 | 60.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149971 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.700% | 7.700% | $2994.43 | Yes | 24.000% | $6309.84 | $525.82 | $1279.08 | $106.59 | $0.00 | $0.00 | $0.00 | $3626.84 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.337 | 1.337 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 6476.42 | 1.8 | 6476.42 | 1.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149973 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $899.93 | Yes | 45.000% | $2314.68 | $192.89 | $417.24 | $34.77 | $2796.00 | $233.00 | $0.00 | $1360.59 |  | Yes | XXXX | XXXX | $233.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.286 | 1.286 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 64201.89 | 45.3 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149974 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.580% | 6.580% | $1030.50 | Yes | 23.000% | $5424.24 | $452.02 | $1805.04 | $150.42 | $0.00 | $0.00 | $0.00 | $1632.94 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.715 | 1.715 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 84432.73 | 51.7 | 84432.73 | 51.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149976 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.450% | 6.450% | $1342.45 | Yes | 45.000% | $6693.24 | $557.77 | $1078.20 | $89.85 | $0.00 | $0.00 | $0.00 | $1990.07 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.151 | 1.151 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 26035.87 | 13.1 | 131135.92 | 65.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149977 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.950% | 7.950% | $657.25 | Yes | 23.000% | $2903.16 | $241.93 | $1050.00 | $87.50 | $0.00 | $0.00 | $0.00 | $986.68 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.52 | 1.532 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13199.31 | 13.4 | 16159.32 | 16.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149982 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.450% | 7.450% | $6431.83 | Yes | 23.000% | $20861.40 | $1738.45 | $7211.88 | $600.99 | $2400.00 | $200.00 | $0.00 | $8971.27 |  | N/A | XXXX | XXXX | $200.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.226 | 1.226 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 338130.82 | 37.7 | 365505.11 | 40.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149983 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.320% | 6.320% | $674.55 | Yes | 23.000% | $1177.44 | $98.12 | $1823.40 | $151.95 | $0.00 | $0.00 | $0.00 | $924.62 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.622 | 1.622 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2023.65 | 2.2 | 23186.97 | 25.1 | No | 63.97 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149984 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1248.38 | Yes | 23.000% | $7458.12 | $621.51 | $1046.04 | $87.17 | $0.00 | $0.00 | $0.00 | $1957.06 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.175 | 1.175 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 664 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 3617.54 | 1.8 | 49391.66 | 25.2 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149842 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.600% | 7.600% | $4194.08 | Yes | 23.000% | $8030.04 | $669.17 | $1713.96 | $142.83 | $0.00 | $0.00 | $0.00 | $5006.08 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.033 | 1.042 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 20149.80 | 3.9 | 80458.03 | 15.6 | Yes | 0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149848 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.660% | 6.660% | $3045.41 | Yes | 23.000% | $2517.60 | $209.80 | $4058.04 | $338.17 | $5460.00 | $455.00 | $0.00 | $4048.38 |  | N/A | XXXX | XXXX | $455.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.749 | 1.776 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 513232.25 | 117 | 687352.05 | 156.7 | Yes | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149849 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.660% | 6.660% | $3643.69 | Yes | 23.000% | $2340.60 | $195.05 | $7824.60 | $652.05 | $0.00 | $0.00 | $0.00 | $4490.79 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.358 | 1.358 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 421849.08 | 82 | 421849.08 | 82 | Yes | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149852 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.770% | 7.770% | $1815.26 | Yes | 23.000% | $4831.80 | $402.65 | $4756.68 | $396.39 | $0.00 | $0.00 | $0.00 | $2614.30 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.683 | 1.589 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 196330.31 | 65.2 | 196330.31 | 65.2 | Yes | 74.6 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149857 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.920% | 6.689% | $3974.48 | Yes | 45.000% | $11429.04 | $952.42 | $8292.12 | $691.01 | $0.00 | $0.00 | $0.00 | $5617.91 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.397 | 1.412 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 48318.68 | 7.7 | 58288.09 | 9.2 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149869 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.050% | 7.050% | $5284.82 | Yes | 23.000% | $29517.36 | $2459.78 | $7580.16 | $631.68 | $0.00 | $0.00 | $0.00 | $8376.28 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.681 | 1.723 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 181418.57 | 20.1 | 181418.57 | 20.1 | Yes | 67.9 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149900 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.400% | 7.400% | $2570.11 | Yes | 23.000% | $4889.16 | $407.43 | $4317.96 | $359.83 | $0.00 | $0.00 | $0.00 | $3337.37 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.528 | 1.503 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 4461.70 | 1.2 | 14473.81 | 3.9 | Yes | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149940 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.240% | 7.240% | $734.64 | Yes | 23.000% | $2545.44 | $212.12 | $2040.00 | $170.00 | $0.00 | $0.00 | $0.00 | $1116.76 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.522 | 1.521 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 16441.11 | 12.8 | 60577.25 | 47.1 | Yes | 65.73 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149979 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.120% | 8.120% | $1008.91 | Yes | 23.000% | $1496.88 | $124.74 | $2610.00 | $217.50 | $0.00 | $0.00 | $0.00 | $1351.15 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.221 | 1.215 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15696.54 | 10 | 18932.07 | 12.1 | Yes | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149980 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.130% | 7.130% | $4170.72 | Yes | 23.000% | $3907.92 | $325.66 | $8792.88 | $732.74 | $0.00 | $0.00 | $0.00 | $5229.12 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.675 | 1.63 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 58187.26 | 9.8 | 212038.14 | 35.6 | Yes | 68.75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10149981 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | $9977.10 | Yes | 23.000% | $6065.04 | $505.42 | $5211.00 | $434.25 | $0.00 | $0.00 | $0.00 | $10916.77 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.101 | 1.063 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .01 | 0 | 189727.74 | 16.7 | Yes | 69 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160044 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $624.30 | Yes | 18.000% | $918.24 | $76.52 | $1038.96 | $86.58 | $0.00 | $0.00 | $0.00 | $787.40 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.27 | 1.271 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 86421.56 | 109.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160070 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $542.68 | Yes | 18.000% | $689.16 | $57.43 | $726.96 | $60.58 | $0.00 | $0.00 | $0.00 | $660.69 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.514 | 1.514 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 670 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | USA Patriot Act Information Form | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 976.03 | 1.5 | 37275.16 | 56.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160087 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $942.69 | Yes | 18.000% | $785.28 | $65.44 | $2027.16 | $168.93 | $0.00 | $0.00 | $0.00 | $1177.06 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.875 | 0.935 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11496.63 | 9.8 | 77058.16 | 65.5 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160113 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $4144.05 | Yes | 18.000% | $5871.24 | $489.27 | $13614.72 | $1134.56 | $0.00 | $0.00 | $0.00 | $5767.88 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.201 | 1.201 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 3324.76 | 0.6 | 345799.20 | 60 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160138 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1329.55 | Yes | 18.000% | $2392.68 | $199.39 | $3622.08 | $301.84 | $0.00 | $0.00 | $0.00 | $1830.78 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.819 | 0.819 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 3227.78 | 1.8 | 82226.68 | 44.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160142 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $1495.42 | Yes | 18.000% | $1401.96 | $116.83 | $1854.00 | $154.50 | $0.00 | $0.00 | $0.00 | $1766.75 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.624 | 1.624 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12495.84 | 7.1 | 116611.84 | 66 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160165 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $2286.31 | Yes | 18.000% | $6278.40 | $523.20 | $1193.04 | $99.42 | $0.00 | $0.00 | $0.00 | $2908.93 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.894 | 0.894 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 19834.85 | 6.8 | 73803.34 | 25.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160207 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $1236.68 | Yes | 18.000% | $3195.00 | $266.25 | $1799.04 | $149.92 | $0.00 | $0.00 | $0.00 | $1652.85 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.968 | 0.956 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12209.13 | 7.4 | 37640.56 | 22.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160242 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1118.74 | Yes | 18.000% | $3829.20 | $319.10 | $3557.04 | $296.42 | $0.00 | $0.00 | $0.00 | $1734.26 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.499 | 1.499 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 47787.99 | 27.6 | 47787.99 | 27.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160026 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $2024.92 | Yes | 18.000% | $7079.76 | $589.98 | $3621.12 | $301.76 | $0.00 | $0.00 | $0.00 | $2916.66 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.491 | 1.107 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 110810.11 | 34.4 | 242573.62 | 75.4 | Yes | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160049 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $2043.08 | Yes | 18.000% | $4802.76 | $400.23 | $3209.16 | $267.43 | $0.00 | $0.00 | $0.00 | $2710.74 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.638 | 1.638 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 22577.44 | 7.6 | 251327.49 | 84.4 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160043 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $928.09 | Yes | 18.000% | $826.20 | $68.85 | $1503.00 | $125.25 | $0.00 | $0.00 | $0.00 | $1122.19 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.426 | 1.426 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 9946.89 | 8.9 | 9946.89 | 8.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160077 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1224.48 | Yes | 18.000% | $1724.52 | $143.71 | $1424.04 | $118.67 | $0.00 | $0.00 | $0.00 | $1486.86 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.009 | 1.009 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 30472.32 | 20.5 | No | 69.2 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160125 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $562.80 | Yes | 18.000% | $1844.64 | $153.72 | $1909.80 | $159.15 | $0.00 | $0.00 | $0.00 | $875.67 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.542 | 1.542 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2542.30 | 2.9 | 18259.94 | 20.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160141 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $820.82 | Yes | 18.000% | $1364.88 | $113.74 | $3015.00 | $251.25 | $0.00 | $0.00 | $0.00 | $1185.81 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.012 | 1.012 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 674 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 202469.06 | 170.7 | 202469.06 | 170.7 | No | 64.32 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160179 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $1500.81 | Yes | 18.000% | $8005.44 | $667.12 | $1755.96 | $146.33 | $0.00 | $0.00 | $0.00 | $2314.26 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.037 | 1.037 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 455376.05 | 196.8 | 455376.05 | 196.8 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160259 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1138.38 | Yes | 18.000% | $4988.40 | $415.70 | $1212.96 | $101.08 | $0.00 | $0.00 | $0.00 | $1655.16 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.843 | 0.843 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 147581.38 | 89.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160262 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1168.47 | Yes | 18.000% | $4497.72 | $374.81 | $1043.04 | $86.92 | $0.00 | $0.00 | $0.00 | $1630.20 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.932 | 0.932 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 650165.09 | 398.8 | 802295.43 | 492.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160263 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1180.69 | Yes | 18.000% | $4361.40 | $363.45 | $1343.04 | $111.92 | $0.00 | $0.00 | $0.00 | $1656.06 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.815 | 0.815 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 650165.09 | 392.6 | 806224.04 | 486.8 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160266 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1133.36 | Yes | 18.000% | $4594.44 | $382.87 | $1176.00 | $98.00 | $0.00 | $0.00 | $0.00 | $1614.23 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.926 | 0.926 | No | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 147247.84 | 91.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160267 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1128.35 | Yes | 18.000% | $4316.40 | $359.70 | $1173.00 | $97.75 | $0.00 | $0.00 | $0.00 | $1585.80 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.943 | 0.943 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 146680.39 | 92.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160268 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1128.35 | Yes | 18.000% | $4392.96 | $366.08 | $1052.04 | $87.67 | $0.00 | $0.00 | $0.00 | $1582.10 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.869 | 0.869 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 650165.09 | 411 | 796877.52 | 503.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160271 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1128.35 | Yes | 18.000% | $3887.28 | $323.94 | $981.00 | $81.75 | $0.00 | $0.00 | $0.00 | $1534.04 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.975 | 0.975 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 148645.01 | 96.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160272 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1474.38 | Yes | 18.000% | $4741.68 | $395.14 | $1227.96 | $102.33 | $684.00 | $57.00 | $0.00 | $2028.85 |  | N/A | XXXX | XXXX | $57.00 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.875 | 0.875 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 193510.38 | 95.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160176 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1579.92 | No |  | $5180.16 | $431.68 | $1431.00 | $119.25 | $0.00 | $0.00 | $0.00 | $2130.85 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.366 | 1.366 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 63778.04 | 29.9 | 117587.64 | 55.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10160251 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $775.06 | Yes | 18.000% | $732.96 | $61.08 | $960.72 | $80.06 | $0.00 | $0.00 | $0.00 | $916.20 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.332 | 1.288 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 29793.95 | 32.5 | 29793.95 | 32.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162518 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.440% | 7.440% | $1484.06 | Yes | 23.000% | $1539.84 | $128.32 | $1265.04 | $105.42 | $0.00 | $0.00 | $0.00 | $1717.80 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.084 | 1.084 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 29315.98 | 17.1 | 55565.31 | 32.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162519 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.240% | 7.240% | $674.68 | Yes | 23.000% | $1057.92 | $88.16 | $909.84 | $75.82 | $0.00 | $0.00 | $0.00 | $838.66 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.073 | 1.073 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 26579.44 | 31.7 | 26579.44 | 31.7 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162520 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.950% | 6.950% | $11843.96 | Yes | 24.000% | $11041.68 | $920.14 | $6437.04 | $536.42 | $0.00 | $0.00 | $0.00 | $13300.52 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.128 | 1.128 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 65071.88 | 4.9 | 1075956.71 | 80.9 | No | 67.05 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162521 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.450% | 6.450% | $2037.26 | Yes | 23.000% | $5811.48 | $484.29 | $1261.68 | $105.14 | $0.00 | $0.00 | $0.00 | $2626.69 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.066 | 1.066 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 18431.87 | 7 | 160357.91 | 61.1 | No | 56.84 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162522 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.260% | 7.260% | $1474.97 | Yes | 23.000% | $4630.20 | $385.85 | $4568.28 | $380.69 | $0.00 | $0.00 | $0.00 | $2241.51 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.115 | 1.115 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 32597.50 | 14.5 | 82030.68 | 36.6 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162523 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.170% | 7.170% | $507.57 | Yes | 24.000% | $2617.20 | $218.10 | $872.04 | $72.67 | $0.00 | $0.00 | $0.00 | $798.34 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 2.192 | 2.192 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 34303.56 | 43 | 34303.56 | 43 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162524 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.520% | 6.520% | $2913.57 | Yes | 45.000% | $5826.96 | $485.58 | $1592.04 | $132.67 | $0.00 | $0.00 | $0.00 | $3531.82 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.076 | 1.076 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 171038.75 | 48.4 | 183094.10 | 51.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162525 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.180% | 7.180% | $2997.65 | Yes | 45.000% | $1426.56 | $118.88 | $3353.04 | $279.42 | $0.00 | $0.00 | $0.00 | $3395.95 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 2.209 | 2.208 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 3895.84 | 1.1 | 45969.87 | 13.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162526 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.700% | 6.700% | $4113.65 | Yes | 24.000% | $4903.20 | $408.60 | $2576.04 | $214.67 | $0.00 | $0.00 | $0.00 | $4736.92 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.393 | 1.393 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 230429.99 | 48.6 | 232211.00 | 49 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162527 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.520% | 6.520% | $1995.16 | Yes | 45.000% | $5218.20 | $434.85 | $3270.12 | $272.51 | $0.00 | $0.00 | $0.00 | $2702.52 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.998 | 1.998 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 186215.56 | 68.9 | 194323.12 | 71.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162529 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.960% | 6.960% | $784.54 | Yes | 23.000% | $1422.96 | $118.58 | $1526.04 | $127.17 | $0.00 | $0.00 | $0.00 | $1030.29 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.553 | 1.553 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 21214.10 | 20.6 | 21214.10 | 20.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162530 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.540% | 6.540% | $4522.24 | Yes | 24.000% | $5104.44 | $425.37 | $4849.32 | $404.11 | $0.00 | $0.00 | $0.00 | $5351.72 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.159 | 1.159 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13566.72 | 2.5 | 43039.10 | 8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162531 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | $866.18 | Yes | 23.000% | $1802.40 | $150.20 | $975.24 | $81.27 | $0.00 | $0.00 | $0.00 | $1097.65 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.057 | 1.057 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12567.34 | 11.4 | 14239.89 | 13 | No | 68.13 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162532 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.650% | 7.650% | $2639.39 | Yes | 24.000% | $4753.56 | $396.13 | $2979.48 | $248.29 | $0.00 | $0.00 | $0.00 | $3283.81 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.477 | 1.477 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 36691.33 | 11.2 | 46542.73 | 14.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162534 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.600% | 6.600% | $6945.41 | Yes | 24.000% | $11749.20 | $979.10 | $5205.60 | $433.80 | $0.00 | $0.00 | $0.00 | $8358.31 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.543 | 1.543 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 174637.71 | 20.9 | 229904.18 | 27.5 | No | 72.5 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162535 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.010% | 7.020% | $764.21 | Yes | 45.000% | $2993.88 | $249.49 | $1553.16 | $129.43 | $0.00 | $0.00 | $0.00 | $1143.13 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.312 | 1.311 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 29089.23 | 25.4 | 32520.96 | 28.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162537 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.670% | 7.670% | $1119.65 | Yes | 23.000% | $2510.04 | $209.17 | $1509.96 | $125.83 | $0.00 | $0.00 | $0.00 | $1454.65 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.1 | 1.1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 30576.77 | 21 | 34940.72 | 24 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162538 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.020% | 7.020% | $599.98 | Yes | 23.000% | $2259.84 | $188.32 | $1056.00 | $88.00 | $0.00 | $0.00 | $0.00 | $876.30 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.255 | 1.255 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 10835.45 | 12.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162539 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.780% | 6.780% | $562.11 | Yes | 23.000% | $832.32 | $69.36 | $1352.28 | $112.69 | $0.00 | $0.00 | $0.00 | $744.16 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.075 | 1.075 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1686.33 | 2.3 | 40409.58 | 54.3 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162540 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $811.73 | Yes | 23.000% | $1722.48 | $143.54 | $2071.44 | $172.62 | $0.00 | $0.00 | $0.00 | $1127.89 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 2.039 | 2.039 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 8157.47 | 7.2 | 11541.53 | 10.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162541 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.300% | 7.300% | $1156.90 | Yes | 23.000% | $597.00 | $49.75 | $1269.96 | $105.83 | $0.00 | $0.00 | $0.00 | $1312.48 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.143 | 1.143 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 20002.19 | 15.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162542 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.620% | 7.620% | $530.59 | Yes | 23.000% | $1198.20 | $99.85 | $1262.04 | $105.17 | $0.00 | $0.00 | $0.00 | $735.61 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.835 | 1.835 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 526989.35 | 716.4 | 529196.18 | 719.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162548 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $1257.81 | Yes | 45.000% | $4272.12 | $356.01 | $3496.20 | $291.35 | $0.00 | $0.00 | $0.00 | $1905.17 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.256 | 1.256 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 159062.63 | 83.5 | 164778.14 | 86.5 | No | 61.14 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162549 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.630% | 7.630% | $584.21 | Yes | 23.000% | $2358.12 | $196.51 | $1289.04 | $107.42 | $0.00 | $0.00 | $0.00 | $888.14 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.464 | 1.464 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | US Citizen | N/A |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11614.47 | 13.1 | 44589.11 | 50.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162550 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $1385.42 | Yes | 45.000% | $5784.96 | $482.08 | $1903.20 | $158.60 | $0.00 | $0.00 | $0.00 | $2026.10 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.061 | 1.073 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | Permanent Non-US Citizen |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 182709.50 | 90.2 | 313493.17 | 154.7 | No | 61.86 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162551 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $1693.84 | Yes | 45.000% | $4752.96 | $396.08 | $3019.20 | $251.60 | $0.00 | $0.00 | $0.00 | $2341.52 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.174 | 1.174 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | Permanent Non-US Citizen | N/A | I-551 Permanent Resident Card |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Conditional Permanent Resident Card w/ USCIS 1-751 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 183950.26 | 78.6 | 319322.60 | 136.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162553 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.640% | 6.640% | $3749.39 | Yes | 24.000% | $4881.72 | $406.81 | $663.00 | $55.25 | $4212.00 | $351.00 | $0.00 | $4562.45 |  | Yes | XXXX | XXXX | $351.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.184 | 1.184 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 472304.63 | 103.5 | 483552.80 | 106 | No | 80 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162554 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.220% | 8.220% | $1150.80 | Yes | 23.000% | $3930.00 | $327.50 | $1420.56 | $118.38 | $0.00 | $0.00 | $0.00 | $1596.68 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.065 | 1.065 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11107.16 | 7 | 75657.69 | 47.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162555 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.290% | 7.290% | $791.05 | Yes | 23.000% | $778.32 | $64.86 | $1979.04 | $164.92 | $0.00 | $0.00 | $0.00 | $1020.83 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.42 | 1.419 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | US Citizen | N/A |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 8041.36 | 7.9 | 13667.63 | 13.4 | No | 72.64 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162556 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.890% | 6.890% | $814.19 | Yes | 23.000% | $4916.04 | $409.67 | $1401.00 | $116.75 | $0.00 | $0.00 | $0.00 | $1340.61 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.622 | 1.622 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14926.50 | 11.1 | 18601.10 | 13.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162557 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.650% | 7.650% | $2696.15 | Yes | 24.000% | $4961.40 | $413.45 | $1429.08 | $119.09 | $0.00 | $0.00 | $0.00 | $3228.69 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.502 | 1.502 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 64195.32 | 19.9 | 73881.39 | 22.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162559 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.980% | 6.980% | $1469.01 | Yes | 23.000% | $1394.64 | $116.22 | $1640.28 | $136.69 | $0.00 | $0.00 | $0.00 | $1721.92 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.045 | 1.045 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .01 | 0 | 19925.88 | 11.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162560 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.880% | 7.880% | $620.23 | Yes | 23.000% | $2083.08 | $173.59 | $1413.96 | $117.83 | $0.00 | $0.00 | $0.00 | $911.65 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.666 | 1.666 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 39321.63 | 43.1 | 42056.58 | 46.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162564 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.370% | 7.370% | $1320.26 | Yes | 45.000% | $3298.44 | $274.87 | $1125.00 | $93.75 | $0.00 | $0.00 | $0.00 | $1688.88 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.243 | 1.243 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 31523.51 | 18.7 | 39927.56 | 23.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162565 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1937.38 | Yes | 23.000% | $1950.00 | $162.50 | $1973.28 | $164.44 | $0.00 | $0.00 | $0.00 | $2264.32 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.06 | 1.06 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 22518.13 | 9.9 | 22518.13 | 9.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162566 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.020% | 7.020% | $499.98 | Yes | 23.000% | $1396.08 | $116.34 | $1143.00 | $95.25 | $0.00 | $0.00 | $0.00 | $711.57 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.862 | 1.862 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 33961.18 | 47.7 | No | 50 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162567 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.690% | 7.690% | $534.20 | Yes | 23.000% | $379.32 | $31.61 | $1925.04 | $160.42 | $0.00 | $0.00 | $0.00 | $726.23 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.652 | 1.652 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 9326.74 | 12.8 | 11505.43 | 15.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162568 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.740% | 6.740% | $748.36 | Yes | 45.000% | $2820.96 | $235.08 | $557.28 | $46.44 | $3432.00 | $286.00 | $0.00 | $1315.88 |  | Yes | XXXX | XXXX | $286.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.064 | 1.064 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 54272.44 | 41.2 | No | 70 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162569 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.380% | 7.380% | $927.69 | Yes | 23.000% | $1362.00 | $113.50 | $2347.56 | $195.63 | $0.00 | $0.00 | $0.00 | $1236.82 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 2.122 | 2.122 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 24198.69 | 19.6 | 35739.37 | 28.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162570 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.300% | 6.300% | $3571.47 | Yes | 24.000% | $10461.84 | $871.82 | $1200.00 | $100.00 | $0.00 | $0.00 | $0.00 | $4543.29 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.057 | 1.056 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 147983.08 | 32.6 | 147983.08 | 32.6 | No | 79.04 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162571 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.600% | 6.600% | $2653.63 | Yes | 23.000% | $3752.04 | $312.67 | $2030.16 | $169.18 | $0.00 | $0.00 | $0.00 | $3135.48 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.052 | 1.052 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 36053.21 | 11.5 | 78392.85 | 25 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162572 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.400% | 7.400% | $1584.22 | Yes | 23.000% | $5736.12 | $478.01 | $1071.96 | $89.33 | $0.00 | $0.00 | $0.00 | $2151.56 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.162 | 1.162 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 53929.53 | 25.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162576 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.030% | 6.030% | $781.92 | Yes | 23.000% | $610.08 | $50.84 | $748.44 | $62.37 | $2691.48 | $224.29 | $0.00 | $1119.42 |  | N/A | XXXX | XXXX | $224.29 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.586 | 1.586 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 63379.43 | 56.6 | No | 55.08 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162578 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.390% | 7.390% | $4309.28 | Yes | 45.000% | $6291.72 | $524.31 | $4863.96 | $405.33 | $0.00 | $0.00 | $0.00 | $5238.92 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.174 | 1.174 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 289048.79 | 55.2 | 314413.76 | 60 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162580 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.900% | 7.900% | $671.50 | Yes | 23.000% | $271.80 | $22.65 | $779.04 | $64.92 | $0.00 | $0.00 | $0.00 | $759.07 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.752 | 1.752 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15173.53 | 20 | 63666.56 | 83.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162581 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.950% | 6.950% | $1932.97 | Yes | 23.000% | $3886.80 | $323.90 | $1029.00 | $85.75 | $336.00 | $28.00 | $0.00 | $2370.62 |  | N/A | XXXX | XXXX | $28.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.137 | 1.137 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13109.56 | 5.5 | 45784.75 | 19.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162582 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.820% | 6.820% | $1531.89 | Yes | 23.000% | $6366.00 | $530.50 | $1578.00 | $131.50 | $0.00 | $0.00 | $0.00 | $2193.89 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.185 | 1.183 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 20174.21 | 9.2 | 26890.37 | 12.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162583 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.520% | 6.520% | $3369.60 | Yes | 45.000% | $8878.44 | $739.87 | $3351.00 | $279.25 | $0.00 | $0.00 | $0.00 | $4388.72 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.116 | 1.117 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 50094.52 | 11.4 | 67154.42 | 15.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162585 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.600% | 6.660% | $1101.69 | Yes | 23.000% | $3482.52 | $290.21 | $1650.00 | $137.50 | $0.00 | $0.00 | $0.00 | $1529.40 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 2.517 | 2.517 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 52107.26 | 34.1 | 118118.29 | 77.2 | No | 59.48 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162587 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.070% | 7.070% | $1105.52 | Yes | 23.000% | $5636.64 | $469.72 | $1365.84 | $113.82 | $0.00 | $0.00 | $0.00 | $1689.06 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.243 | 1.243 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 34799.73 | 20.6 | 104922.59 | 62.1 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162588 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.760% | 7.760% | $645.39 | Yes | 23.000% | $930.00 | $77.50 | $1092.00 | $91.00 | $0.00 | $0.00 | $0.00 | $813.89 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 3.317 | 3.317 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 334173.67 | 410.6 | 334173.67 | 410.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162589 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.020% | 8.020% | $705.75 | Yes | 23.000% | $2028.00 | $169.00 | $690.00 | $57.50 | $0.00 | $0.00 | $0.00 | $932.25 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.716 | 1.716 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 298839.64 | 320.6 | 298839.64 | 320.6 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162590 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.370% | 6.370% | $1590.03 | Yes | 23.000% | $2983.20 | $248.60 | $1777.08 | $148.09 | $0.00 | $0.00 | $0.00 | $1986.72 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.057 | 1.057 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 25483.90 | 12.8 | 25483.90 | 12.8 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162591 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $1146.49 | Yes | 23.000% | $5086.08 | $423.84 | $1701.96 | $141.83 | $0.00 | $0.00 | $0.00 | $1712.16 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.285 | 1.285 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 113979.25 | 66.6 | 114378.40 | 66.8 | No | 59.48 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162592 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1129.93 | Yes | 23.000% | $4224.96 | $352.08 | $2260.56 | $188.38 | $0.00 | $0.00 | $0.00 | $1670.39 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.527 | 1.527 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 43452.20 | 26 | 48463.37 | 29 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162593 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1090.77 | Yes | 23.000% | $3855.48 | $321.29 | $2260.56 | $188.38 | $0.00 | $0.00 | $0.00 | $1600.44 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.406 | 1.406 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 35411.38 | 22.1 | 38683.69 | 24.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162594 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.700% | 6.700% | $1669.66 | Yes | 23.000% | $8104.20 | $675.35 | $1451.52 | $120.96 | $0.00 | $0.00 | $0.00 | $2465.97 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.176 | 1.363 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 57394.52 | 23.3 | 185448.88 | 75.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162596 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.510% | 7.510% | $1364.80 | Yes | 23.000% | $4158.84 | $346.57 | $660.00 | $55.00 | $0.00 | $0.00 | $0.00 | $1766.37 |  | N/A | XXXX | XXXX | $0.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.132 | 1.132 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 366475.78 | 207.5 | 388319.81 | 219.8 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162597 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $747.71 | Yes | 23.000% | $971.16 | $80.93 | $3213.00 | $267.75 | $0.00 | $0.00 | $0.00 | $1096.39 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.186 | 1.187 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 13931.52 | 12.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162599 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $4842.95 | Yes | 24.000% | $13150.56 | $1095.88 | $2089.92 | $174.16 | $0.00 | $0.00 | $0.00 | $6112.99 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.227 | 1.227 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) | Affidavit of Citizenship | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 56345.62 | 9.2 | 74682.40 | 12.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162600 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.880% | 6.880% | $1554.43 | Yes | 23.000% | $9466.56 | $788.88 | $2929.32 | $244.11 | $0.00 | $0.00 | $0.00 | $2587.42 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.159 | 1.159 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14841.78 | 5.7 | 124761.06 | 48.2 | No | 55 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162601 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.350% | 6.350% | $1409.36 | Yes | 23.000% | $5230.32 | $435.86 | $5337.48 | $444.79 | $0.00 | $0.00 | $0.00 | $2290.01 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.092 | 1.092 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 58016.04 | 25.3 | 261736.40 | 114.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162602 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.550% | 7.550% | $6165.68 | Yes | 24.000% | $7409.16 | $617.43 | $6419.16 | $534.93 | $0.00 | $0.00 | $0.00 | $7318.04 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.312 | 1.313 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 38723.95 | 5.3 | 60928.22 | 8.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162605 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $1594.71 | Yes | 45.000% | $4478.64 | $373.22 | $1066.68 | $88.89 | $0.00 | $0.00 | $0.00 | $2056.82 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.167 | 1.167 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 41312.92 | 20.1 | 168187.96 | 81.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162606 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.790% | 7.790% | $1003.25 | Yes | 23.000% | $1749.24 | $145.77 | $2002.32 | $166.86 | $0.00 | $0.00 | $0.00 | $1315.88 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 2.014 | 2.014 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14062.34 | 10.7 | 34089.95 | 25.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162607 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1068.89 | Yes | 45.000% | $2262.00 | $188.50 | $954.96 | $79.58 | $0.00 | $0.00 | $0.00 | $1336.97 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.346 | 1.346 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 10834.62 | 8.1 | 14845.53 | 11.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162608 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1397.00 | Yes | 23.000% | $2417.16 | $201.43 | $2211.12 | $184.26 | $0.00 | $0.00 | $0.00 | $1782.69 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.963 | 1.963 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 27593.89 | 15.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162609 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.220% | 7.220% | $510.11 | Yes | 23.000% | $632.52 | $52.71 | $1076.04 | $89.67 | $0.00 | $0.00 | $0.00 | $652.49 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.379 | 1.379 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 32358.28 | 49.6 | 34315.75 | 52.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162610 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.850% | 6.850% | $894.43 | Yes | 23.000% | $4962.84 | $413.57 | $1059.00 | $88.25 | $0.00 | $0.00 | $0.00 | $1396.25 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.182 | 1.182 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 93910.69 | 67.3 | 98997.51 | 70.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162611 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.980% | 6.980% | $918.92 | Yes | 23.000% | $1767.96 | $147.33 | $1258.56 | $104.88 | $0.00 | $0.00 | $0.00 | $1171.13 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.195 | 1.195 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 92016.62 | 78.6 | 92016.62 | 78.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162612 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.110% | 7.110% | $850.30 | Yes | 23.000% | $4139.16 | $344.93 | $983.16 | $81.93 | $0.00 | $0.00 | $0.00 | $1277.16 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.135 | 1.135 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 93910.69 | 73.5 | 97742.17 | 76.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162613 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.340% | 7.340% | $1992.60 | Yes | 23.000% | $3166.32 | $263.86 | $2017.92 | $168.16 | $0.00 | $0.00 | $0.00 | $2424.62 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.237 | 1.237 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No |  | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 23471.11 | 9.7 | 36282.03 | 15 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162614 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.030% | 7.030% | $1080.05 | Yes | 23.000% | $3008.16 | $250.68 | $1635.00 | $136.25 | $0.00 | $0.00 | $0.00 | $1466.98 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.159 | 1.159 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 30125.36 | 20.5 | 34526.30 | 23.5 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162615 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.830% | 7.830% | $779.70 | Yes | 23.000% | $2430.96 | $202.58 | $1977.00 | $164.75 | $0.00 | $0.00 | $0.00 | $1147.03 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.482 | 1.482 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 30200.54 | 26.3 | 33641.63 | 29.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162616 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.890% | 6.890% | $3210.71 | Yes | 23.000% | $7634.52 | $636.21 | $1110.00 | $92.50 | $0.00 | $0.00 | $0.00 | $3939.42 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.142 | 1.142 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 48890.24 | 12.4 | 48890.24 | 12.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162617 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $2401.86 | Yes | 24.000% | $12292.56 | $1024.38 | $3870.00 | $322.50 | $0.00 | $0.00 | $0.00 | $3748.74 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.04 | 1.04 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 79420.00 | 21.2 | 261041.33 | 69.6 | No | 69.79 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162618 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.890% | 7.890% | $684.36 | Yes | 23.000% | $2760.48 | $230.04 | $1471.20 | $122.60 | $0.00 | $0.00 | $0.00 | $1037.00 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.302 | 1.302 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 7005.49 | 6.8 | 7005.49 | 6.8 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162619 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.630% | 7.630% | $1065.75 | Yes | 23.000% | $1151.76 | $95.98 | $1731.36 | $144.28 | $0.00 | $0.00 | $0.00 | $1306.01 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.225 | 1.225 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 8463.22 | 6.5 | 20585.28 | 15.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162620 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.650% | 6.650% | $2054.29 | Yes | 45.000% | $4800.84 | $400.07 | $3952.80 | $329.40 | $0.00 | $0.00 | $0.00 | $2783.76 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 2.191 | 2.191 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 880046.85 | 316.1 | 880046.85 | 316.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162622 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.770% | 6.770% | $633.68 | Yes | 23.000% | $6858.36 | $571.53 | $1008.60 | $84.05 | $0.00 | $0.00 | $0.00 | $1289.26 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.396 | 1.396 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 15010.13 | 11.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162623 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.395% | 7.395% | $534.60 | Yes | 23.000% | $498.48 | $41.54 | $883.68 | $73.64 | $0.00 | $0.00 | $0.00 | $649.78 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.231 | 1.248 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1902.06 | 2.9 | 36867.85 | 56.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162624 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.340% | 6.340% | $2719.42 | Yes | 23.000% | $7968.24 | $664.02 | $1959.96 | $163.33 | $0.00 | $0.00 | $0.00 | $3546.77 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.269 | 1.269 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 415042.76 | 117 | 428339.15 | 120.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162626 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.960% | 5.960% | $1316.34 | Yes | 23.000% | $3925.92 | $327.16 | $1923.36 | $160.28 | $0.00 | $0.00 | $0.00 | $1803.78 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.691 | 1.691 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 162484.89 | 90.1 | 167896.23 | 93.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162627 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.840% | 6.840% | $1002.67 | Yes | 23.000% | $9495.96 | $791.33 | $1495.08 | $124.59 | $0.00 | $0.00 | $0.00 | $1918.59 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.121 | 1.121 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 20537.50 | 10.7 | 78058.57 | 40.7 | No | 55 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162628 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $3304.55 | Yes | 24.000% | $6472.80 | $539.40 | $3210.96 | $267.58 | $0.00 | $0.00 | $0.00 | $4111.53 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.094 | 1.095 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 91369.43 | 22.2 | 103704.02 | 25.2 | No | 73.33 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162629 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $3019.70 | Yes | 24.000% | $12162.84 | $1013.57 | $3135.00 | $261.25 | $0.00 | $0.00 | $0.00 | $4294.52 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.153 | 1.153 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 79420.00 | 18.5 | 120241.81 | 28 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162630 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.600% | 6.600% | $1652.53 | Yes | 45.000% | $3287.64 | $273.97 | $1553.04 | $129.42 | $0.00 | $0.00 | $0.00 | $2055.92 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.459 | 1.459 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 22804.78 | 11.1 | 143944.14 | 70 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162562 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.530% | 7.530% | $3988.47 | Yes | 23.000% | $4500.96 | $375.08 | $7183.92 | $598.66 | $0.00 | $0.00 | $0.00 | $4962.21 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.103 | 1.261 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14886.63 | 2.7 | 81694.49 | 14.7 | Yes | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10162579 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.440% | 7.440% | $2789.13 | Yes | 23.000% | $5201.52 | $433.46 | $2017.56 | $168.13 | $0.00 | $0.00 | $0.00 | $3390.72 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.472 | 1.471 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 3301.23 | 1 | 115265.74 | 34 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10161147 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5689.35 | 02/10/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 7.506% |  | 7.250% | 7.250% | $1939.36 | No |  | $8588.04 | $715.67 | $1152.96 | $96.08 | $683.04 | $56.92 | $0.00 | $2808.03 | $6830.00 | N/A | XXXX | XXXX | $56.92 | XXXX | Annually | 45.38% | 45.38% | 45.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025, 2026 | Borrower - 2024, 2025, 2026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 44540.96 | 15.9 | 44540.96 | 15.9 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10194925 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $953.10 | No |  | $5147.28 | $428.94 | $1044.36 | $87.03 | $5820.00 | $485.00 | $0.00 | $1954.07 |  | Yes | XXXX | XXXX | $485.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.024 | 1.024 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 98997.68 | 50.7 | No | 65 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10179433 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13753.97 | 02/20/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 7.966% |  | 7.499% | 7.499% | $2684.71 | No |  | $6002.04 | $500.17 | $3831.96 | $319.33 | $0.00 | $0.00 | $0.00 | $3504.21 | $26427.35 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 14.65% | 16.33% | 16.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Consular Card |  | XXXX | XXXX | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 203594.15 | 58.1 | 203594.15 | 58.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10194930 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 02/19/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 7.737% |  | 7.625% | 7.625% | $1337.73 | No |  | $5213.04 | $434.42 | $1646.52 | $137.21 | $0.00 | $0.00 | $0.00 | $1909.36 | $2611.50 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 42.23% | 42.23% | 42.23% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | Yes | No | Yes | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Asset Depletion - 1 YR Executed 4506T Verified, Award Letter Verified - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 93695.19 | 49.1 | 93695.19 | 49.1 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10200602 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.070% | 7.070% | $2148.05 | Yes | 24.000% | $5651.52 | $470.96 | $4925.04 | $410.42 | $0.00 | $0.00 | $0.00 | $3029.43 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.172 | 1.178 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 52.88 | 0 | 20223.91 | 6.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10200605 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.050% | 7.050% | $596.31 | Yes | 23.000% | $5208.24 | $434.02 | $1229.76 | $102.48 | $0.00 | $0.00 | $0.00 | $1132.81 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.059 | 1.059 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 6872.88 | 6.1 | 6872.88 | 6.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10200621 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.190% | 7.190% | $1559.66 | Yes | 23.000% | $1682.16 | $140.18 | $165.96 | $13.83 | $3456.00 | $288.00 | $0.00 | $2001.67 |  | N/A | XXXX | XXXX | $288.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.049 | 1.131 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 19401.94 | 9.7 | 132695.64 | 66.3 | No | 64.79 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10200628 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $586.74 | Yes | 23.000% | $1269.36 | $105.78 | $1094.64 | $91.22 | $0.00 | $0.00 | $0.00 | $783.74 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.723 | 1.722 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 8045.35 | 10.3 | 10413.61 | 13.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10200636 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.680% | 6.680% | $1236.39 | Yes | 23.000% | $2429.28 | $202.44 | $3942.48 | $328.54 | $480.00 | $40.00 | $0.00 | $1807.37 |  | N/A | XXXX | XXXX | $40.00 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.3 | 1.3 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14841.79 | 8.2 | 103717.62 | 57.4 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10200641 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.350% | 7.350% | $1426.17 | Yes | 23.000% | $3440.88 | $286.74 | $854.04 | $71.17 | $0.00 | $0.00 | $0.00 | $1784.08 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.513 | 1.505 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 9193.76 | 5.2 | 108361.18 | 60.7 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10200660 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.340% | 7.340% | $1042.76 | Yes | 23.000% | $3682.68 | $306.89 | $1401.00 | $116.75 | $0.00 | $0.00 | $0.00 | $1466.40 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.432 | 1.44 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15729.60 | 10.7 | 20128.77 | 13.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10200697 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.670% | 6.670% | $771.95 | Yes | 23.000% | $731.04 | $60.92 | $1383.00 | $115.25 | $0.00 | $0.00 | $0.00 | $948.12 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.477 | 1.477 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1202.16 | 1.3 | 21124.84 | 22.3 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10179434 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 14427.8 | 02/24/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | 6.515% |  | 6.250% | 6.250% | $4433.16 | No |  | $10462.68 | $871.89 | $5012.40 | $417.70 | $3060.00 | $255.00 | $0.00 | $5977.75 | $37511.25 | N/A | XXXX | XXXX | $255.00 | XXXX | Monthly | 18.01% | 18.01% | 18.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 107771.61 | 18 | 107771.61 | 18 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10194931 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 02/23/2026 | 5.990% | DU | Approve Eligible | No | 6.406% |  | 6.125% | 6.125% | $1245.60 | No |  | $1006.56 | $83.88 | $1429.20 | $119.10 | $0.00 | $0.00 | $0.00 | $1448.58 | $3537.17 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 42.37% | 41.99% | 41.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 79510.97 | 54.9 | 79510.97 | 54.9 | No | 64.06 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10194947 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10850 | 02/23/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | 7.075% |  | 7.000% | 7.000% | $4806.85 | No |  | $12743.04 | $1061.92 | $2409.96 | $200.83 | $0.00 | $0.00 | $0.00 | $6069.60 | $6465.09 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 49.59% | 49.59% | 49.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR 1099 | 2 YRS 1099 |  | 1 Month | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor - 2 YRS 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13513.65 | 2.8 | 103355.59 | 21.2 | No | 62.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10179335 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15395 | 02/24/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | 7.248% |  | 7.125% | 7.125% | $3557.23 | No |  | $7635.24 | $636.27 | $2591.52 | $215.96 | $0.00 | $0.00 | $0.00 | $4409.46 | $42516.59 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 33.12% | 33.12% | 33.12% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 187708.33 | 42.6 | 187708.33 | 42.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10194949 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 2095 | 02/19/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 6.604% |  | 6.500% | 6.500% | $6510.30 | No |  | $6744.48 | $562.04 | $3102.12 | $258.51 | $0.00 | $0.00 | $0.00 | $7330.85 | $20580.05 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 26.32% | 26.32% | 26.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 72988.04 | 10 | 72988.04 | 10 | No | 79.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10194929 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 02/13/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 7.191% |  | 7.125% | 7.125% | $9117.66 | No |  | $16010.04 | $1334.17 | $2302.80 | $191.90 | $0.00 | $0.00 | $7810.59 | $18454.32 | $21316.40 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 39.89% | 40.28% | 40.28% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | 2+ Months | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 14.48% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other - 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2026 | Borrower - 1 YR Executed 4506T Verified - 2024, 2025, 2026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 686014.24 | 37.2 | 686014.24 | 37.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10179515 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 23945 | 02/20/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 6.565% |  | 6.375% | 6.375% | $10481.01 | No |  | $19678.56 | $1639.88 | $4199.40 | $349.95 | $2268.00 | $189.00 | $0.00 | $12659.84 | $71697.34 | N/A | XXXX | XXXX | $189.00 | XXXX | Monthly | 24.05% | 24.05% | 24.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025 | Borrower - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 919856.82 | 72.7 | 919856.82 | 72.7 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10179544 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 03/04/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 6.658% |  | 6.375% | 6.375% | $3743.22 | No |  | $9375.00 | $781.25 | $726.00 | $60.50 | $0.00 | $0.00 | $0.00 | $4584.97 | $7356.10 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 38.53% | 38.53% | 38.53% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2025, 2026 \|\| Co Borrower - SESoleProprietor - Personal Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 \|\| Co Borrower - 2025, 2026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 50780.31 | 11.1 | 50780.31 | 11.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 10179362 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | 0 | 03/09/2026 | 6.020% | Manual Underwriting | Manual Underwriting | No | 7.906% |  | 7.750% | 7.750% | $3582.06 | No |  | $7812.48 | $651.04 | $2532.96 | $211.08 | $0.00 | $0.00 | $0.00 | $4444.18 | $399710.65 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 8.12% | 8.12% | 8.12% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025 \|\| Co Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2025 | Borrower - 2025 \|\| Co Borrower - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 592536.11 | 133.3 | 592536.11 | 133.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX | XXXX |  |  |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2026-abs15g.htm)

**Exhibit 99.7 - Schedule 6**

Rating Agency Multi-Property Valuation Report v9.25

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property 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** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Completion Report (1004D) Date** |
| XXXX | XXXX | 10160013 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160013 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160013 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160013 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160013 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.75 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160013 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160013 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160025 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.54 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | XXXX | 10160025 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| XXXX | XXXX | 10160025 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| XXXX | XXXX | 10160025 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| XXXX | XXXX | 10160025 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| XXXX | XXXX | 10160025 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| XXXX | XXXX | 10160025 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 57.97 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160025 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| XXXX | XXXX | 10160025 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| XXXX | XXXX | 10160025 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| XXXX | XXXX | 10160029 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160029 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160029 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160029 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160029 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160029 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | -.0141 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0141 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160121 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | XXXX | 10160121 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149842 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .2000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149842 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.86 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .0476 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149848 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149848 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149848 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149848 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149848 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149848 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149848 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149849 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149849 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149849 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149849 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149849 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149849 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149849 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.60 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.27 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.12 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149857 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0280 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149857 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | XXXX | XXXX | -.0664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149869 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.90 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149869 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.90 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149869 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.90 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149869 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.90 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149869 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.90 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149869 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.90 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149869 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.90 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149869 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.90 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149900 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149900 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149900 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149900 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149940 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.73 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149940 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.73 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149979 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149979 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | -.0867 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0867 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149980 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.75 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149980 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.75 | XXXX | XXXX | -.0250 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0250 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149980 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.75 | XXXX | XXXX | -.0667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0667 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149980 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.75 | XXXX | XXXX | .0294 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0294 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149980 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.75 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149980 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.75 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149980 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.75 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10149981 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149981 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149981 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149981 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149981 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10149981 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 10160026 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| XXXX | XXXX | 10160026 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | XXXX | 10160026 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| XXXX | XXXX | 10160026 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | XXXX | 10160049 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160049 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| XXXX | XXXX | 10160049 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10160049 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10162562 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10162562 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10162562 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10162562 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.00 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10162579 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .0000 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10162579 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10162579 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .0833 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0833 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10162579 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | -.0320 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0320 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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