# EDGAR Filing Document

**Accession Number:** 0001176320
**File Stem:** 0000929638-25-004105
**Filing Date:** 2025-10
**Character Count:** 3340766
**Document Hash:** 3325458d1423e2854139d33779d16b12
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-25-004105.hdr.sgml**: 20251030

**ACCESSION NUMBER**: 0000929638-25-004105

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

**PUBLIC DOCUMENT COUNT**: 33

**CONFORMED PERIOD OF REPORT**: 20251030

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

**FILED AS OF DATE**: 20251030

**DATE AS OF CHANGE**: 20251030

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02354
- **FILM NUMBER:** 251436631

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

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

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

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

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941

#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM ABS-15G

#### ASSET-BACKED SECURITIZER

#### REPORT PURSUANT TO SECTION 15G OF

#### THE SECURITIES EXCHANGE ACT OF 1934

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

___ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period ______________ to ______________.

---

| |
|:---|
| Date of Report (Date of earliest event reported): ______________ |
| Commission File Number of securitizer:&nbsp;&nbsp;&nbsp;&nbsp; ______________ |
| Central Index Key Number of securitizer:&nbsp;&nbsp;&nbsp;&nbsp; ______________ |

---

<u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> <br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

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

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

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

_<u>X</u>_ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0001176320

Central Index Key Number of sponsor: N/A

<u>Sequoia Mortgage Trust 2025-S2</u>

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

Central Index Key Number of issuing entity (if applicable): N/A

Central Index Key Number of underwriter (if applicable): N/A

<u>Ashley Templeton, (303) 376-3688</u><br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

------

#### INFORMATION TO BE INCLUDED IN THE REPORT

---

| | |
|:---|:---|
| **Item 2.01.** | **<u>Findings and Conclusions of a Third Party Due Diligence Report Obtained By the Issuer</u>** |

---

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.

Dated: October 30, 2025

---

| | | |
|:---|:---|:---|
| SEQUOIA RESIDENTIAL FUNDING, INC. | SEQUOIA RESIDENTIAL FUNDING, INC. | SEQUOIA RESIDENTIAL FUNDING, INC. |
| (Depositor) | (Depositor) | (Depositor) |
| By:  | <u>/s/ Jeremy Strom</u><u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>  | <u>/s/ Jeremy Strom</u><u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>  |
|  | Name:  | Jeremy Strom |
|  | Title: | Authorized Officer |

---

------

#### EXHIBIT INDEX

<u>Exhibit Number</u> <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1 Clayton Services LLC ("Clayton") Due Diligence Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.2 Clayton Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.3 Clayton Rating Agency ATR QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.4 Clayton ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.5 Clayton Valuations Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.6 Clayton Conditions Report 2.0

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.7 Clayton Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.8 AMC Diligence, LLC ("AMC") Due Diligence Executive Summary

99.9A AMC Loan Securitization Report Set

99.9B AMC Loan Securitization Report Set

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.10 AMC Modification Only Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.11 AMC Pay History Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.12 Consolidated Analytics, Inc ("Consolidated Analytics") Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.13 Consolidated Analytics Due Diligence Standard Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.14 Consolidated Analytics Rating Agency Grades Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.15 Consolidated Analytics Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.16 Consolidated Analytics Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.17 Opus Capital Markets Consultants, LLC ("Opus") Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.18 Opus Securitization Cumulative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.19 Digital Risk, LLC ("Digital Risk") Narrative

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.20 Digital Risk Rating Agency Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.21 Digital Risk DI Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.22 Digital Risk Rebuttal Findings Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.23 Digital Risk Valuation Report

## Exhibit 99.1

![](clayton_logo.gif)

SEMT 2025-S2 <br>

![](clayton_cover.jpg)

### Due Diligence Narrative Report

### <br>

### October 21, 2025

------

![](clayton_logo.gif)

 **TABLE OF CONTENTS**

<br> ---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2**  |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2**<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | *3*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | *4*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | *6* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | *6* |
| **Data Compare Results** | **7**  |
| **Clayton Due Diligence Results** | **8**<br>|
| **Clayton Third Party Reports Delivered** | **9**<br>|
| **Appendix A: Credit Review Scope** | **10**  |
| **Appendix B: Origination Appraisal Assessment**<br>| 13  |
| **Appendix C: Regulatory Compliance Review Scope** | **16**<br>|

---

SEMT 2025-S2 Due Diligence Narrative Report Page \| 1 October 21, 2025

------

![](clayton_logo.gif) <br>

#### CLAYTON CONTACT INFORMATION
Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](bullet.gif) | **Chris Turk**<br>| Client Service Manager<br>|
|  |  | Phone: (813) 472-6509/E-mail: <u>cturk</u><u>@clayton.com</u> |
| ![](bullet.gif) | **Joe Ozment** | Director of Securitization<br>|
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

OVERVIEW

On behalf of Redwood Trust, Clayton conducted an independent third-party pre-securitization due diligence review of 12 residential loans selected for the SEMT 2025-S2 transaction.

On behalf of loanDepot, Clayton conducted an independent third-party pre-securitization due diligence review of 112 residential loans selected for the SEMT 2025-S2 transaction.

The loans referenced in this narrative report were reviewed on a flow basis from June 2021 to October 2025 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

ORIGINATORS

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 33 | 26.61% |
| Correspondent Flow without delegated underwriting | 1 | 0.81% |
| Retail | 90 | 72.58% |
| **Total** | **124** | **100.00%** |

---

CLAYTON'S THIRD PARTY REVIEW ("TPR") SCOPE OF WORK

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were 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."<br>

------

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

SEMT 2025-S2 Due Diligence Narrative Report Page \| 2 October 21, 2024

------

![](clayton_logo.gif)

SAMPLING

For all originators in this transaction the loans received a Full Review. For Redwood Trust all of the loans were selected for a Full review and the remaining loans received a "Limited Review" as described below. <br>

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count*<br> *Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 124 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Limited Review** | 1<br>| Redwood Trust elected to have Clayton conduct a Limited Review in lieu of a Full Review on selected loans. This review was beyond the required minimum sample. The Limited Review consisted of a data capture and document assessment of the Final 1003 (Loan Application), Credit Report, Appraisal, Final HUD-1, Title Policy, Deed of Trust/Mortgage, Note and Purchase Contract. Loan grading was not applied to Limited Review loans. *The Clayton Review Results section of this narrative report does <u>not</u> include any loans from the Limited Review.*<br>If any required documents were missing, Clayton submitted appropriate conditions to Redwood Trust. Redwood Trust was responsible for obtaining any missing documents from its sellers in order to clear document conditions on Limited Reviews. |
| **Total Loan Population** | 125<br>|  |

---

SPONSOR ACQUISITION CRITERIA

The loans were originated to Redwood/Jumbo Program Eligibility Guide Select QM Version 2.3, 2.4, 2.5, 2.8, 2.9

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.

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

SEMT 2025-S2 Due Diligence Narrative Report Page \| 3 October 21, 2024

------

![](clayton_logo.gif)

TPR COMPONENT REVIEW SCOPE

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

CREDIT REVIEW<br>

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):<br>

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

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

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

◾ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

◾ Evaluated evidence of borrower's willingness and ability to repay the obligation;

---

| | |
|:---|:---|
| ◾ | Examined Data Verify risk evaluation report, which was ordered and received by Clayton for income, employment, Nationwide Multistate Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly. |

---

PROPERTY VALUATION REVIEW<br>

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

<br> ◾ Original Appraisal Assessment

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

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

◾ Value Supported Analysis

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

For loans reviewed in a post-close valuation review scenario:

For loans reviewed in a post-close valuation review scenario various products were ordered to support the value within a 10% tolerance such as Desk Review, Field Reviews, AVMs, BPOs, Reconciliations or loans included a 2<sup>nd</sup> appraisal to support the value. Please refer to the Valuations Report for additional details per loan.<br>

<br> - Clayton did not have independent access to any valuation products ordered by the Sellers.

<br> - Loans that had a Collateral Underwriter through Fannie/DU with a score of 2.5 or less and therefore did not require a 3rd party valuation product.

SEMT 2025-S2 Due Diligence Narrative Report Page \| 4 October 21, 2024

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![](clayton_logo.gif)

REGULATORY COMPLIANCE REVIEW<br>

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> and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

<br> ◾ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

<br> ◾ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;

<br> ◾ Truth-in-lending/regulation Z (TILA) testing included the following:

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

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

<br> - TIL APR and Finance charge tolerances;

<br> - Timeliness of ARM Disclosures (if applicable);

<br> - Section 32 APR and Points and Fees Thresholds and prohibited practices;

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

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on all loans in the pool. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. <br>

---

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

---

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point. However, client reserves the right to review on a case-by- case basis.<br>

<br> - Prepayment Penalty restrictions.

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

<br> ◾ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

<br> - GFE initial disclosure timing and content;

<br> - Confirmed the file contains the final HUD1 Settlement Statement;

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

<br> - Homeownership Counseling Notice;

<br> - 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.

SEMT 2025-S2 Due Diligence Narrative Report Page \| 5 October 21, 2024

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![](clayton_logo.gif)

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

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

Clayton applied the enhanced RMBS 3.0 TRID Compliance Review Scope to all loans in this transaction.

DATA CAPTURE

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

DATA INTEGRITY

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

◾ Tape data received from lender/client is stored in eCLAS;

◾ Loan Reviewer collects validated loan data in eCLAS;

◾ Each received data point is compared to its counterpart collected data point;

◾ Discrepancies found during comparison are stored

SEMT 2025-S2 Due Diligence Narrative Report Page \| 6 October 21, 2024

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![](clayton_logo.gif) <br>

DATA COMPARE RESULTS

Clayton provided Redwood Trust with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review. <br>

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
| Debt to Income Ratio (Back) | 15 | 87.90% |
| Note Rate | 2 | 98.39% |
| Original Balance | 3 | 97.58% |

---

&nbsp;&nbsp;&nbsp;&nbsp;<br>

Clayton received the following data fields listed below from RWT and provided a summary of the discrepancies above. We did not include the deltas found for borrower names and addresses for PII purposes.

---

| | |
|:---|:---|
| **Data Provided** | **Clayton provided Delta's** |
| **Borrower 1 First Time Home Buyer** | **No** |
| **Combined LTV** | **No** |
| **Debt to Income Ratio** | **Yes** |
| **Loan Purpose** | **No** |
| **Note Rate** | **Yes** |
| **Occupancy Type** | **No** |
| **Original Balance** | **Yes** |
| **Original LTV** | **No** |
| **Prepay Penalty Term** | **No** |
| **Property Type** | **No** |
| **Representative Credit Score for Grading** | **No** |
| **Sales Price** | **No** |
| **Borrower 1 First Name** | **No** |
| **Borrower 1 Last Name** | **No** |
| **Property City** | **No** |
| **Property Street Address** | **No** |
| **Property Zip** | **No** |

---

SEMT 2025-S2 Due Diligence Narrative Report Page \| 7 October 21, 2024

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![](clayton_logo.gif)

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.

&nbsp;&nbsp;&nbsp;&nbsp;<br>

#### Initial and Final Overall Loan Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 33 | 2 | 21 | 35 | **91** |
| **Final** | **B** |  | 1 | 11 | 21 | **33** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **33** | **3** | **32** | **56** | **124** |

---

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

#### Initial and Final Credit Component Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 88 | 2 | 11 | 18 | **119** |
| **Final** | B |  | 2 | 1 | 2 | **5** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **88** | **4** | **12** | **20** | **124** |

---

#### Initial and Final Property Valuation Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 80 |  | 1 | 42 | **123** |
| **Final** | B |  | 1 |  |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **80** | **1** | **1** | **42** | **124** |

---

#### Initial and Final Regulatory Compliance Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 60 | 2 | 27 | 4 | **93** |
| **Final** | B |  |  | 28 | 3 | **31** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **60** | **2** | **55** | **7** | **124** |

---

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

SEMT 2025-S2 Due Diligence Narrative Report Page \| 8 October 21, 2024

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CLAYTON THIRD PARTY REPORTS DELIVERED

Clayton furnished the following reports on this transaction:

<br> 1. Narrative Report

<br> 2. Attestation Forms

<br> 3. ASF Upload

<br> 4. ATR QM Upload

<br> 5. Conditions Report

<br> 6. HOA Report

<br> 7. Loan Level Tape Compare Upload

<br> 8. Rating Agency ATR QM Upload

<br> 9. Sale Report

<br> 10. Valuations Summary Reports

<br> 11. Waived Conditions Summary Report

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

SEMT 2025-S2 Due Diligence Narrative Report Page \| 9 October 21, 2024

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APPENDIX A: CREDIT REVIEW SCOPE

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

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

<br> o DTI

<br> o LTV/TLTV/HLTV

<br> o Credit score

<br> o Income and employment

<br> o Assets and reserves

<br> o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

<br> o Borrower eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Citizenship status

-&nbsp;&nbsp;&nbsp;&nbsp;Non- occupant co-borrower

<br> o Transaction eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Maximum loan amount

-&nbsp;&nbsp;&nbsp;&nbsp;Loan purpose

-&nbsp;&nbsp;&nbsp;&nbsp;Occupancy

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

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

<br> o Uniform Residential Loan Application reviewed to determine:

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

<br> - Final loan application was in the loan file and was complete

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

<br> o Employment analyzed and verified through use of various documents, including:

<br> - Income documentation

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

<br> - CPA letter

<br> - Business licenses

<br> - Tax transcripts (IRS Form 4506-T)

<br> - Other documentation in loan file

<br> o Income review included:

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

<br> - Documents did not appear to have been altered or inconsistent

<br> - IRS Form 4506-T

<br> ◾ Signed by all borrowers and processed by the originator

<br> ◾ Compared IRS tax transcripts to income documentation and noted any inconsistencies

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

<br> ◾ Tax returns

<br> ◾ Financial statements

<br> ◾ Paystubs

<br> ◾ W-2s

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<br> ◾ 1099

<br> ◾ IRS documents

<br> ◾ Bank statements

<br> ◾ Lease agreements

<br> ◾ Award letters

<br> ◾ Other documentation in loan file

<br> o Asset review included:

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

<br> ◾ Verification of deposits (VOD)

<br> ◾ Depository account statements

<br> ◾ Stock or security account statements

<br> ◾ Gift funds

<br> ◾ Settlements statements

<br> ◾ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

<br> ◾ Other documentation in loan file

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

<br> o Credit Report review included:

<br> - Complete copy of report was in loan file

<br> - Report was dated within required timeframe

<br> - All borrowers were included in the report

<br> - Checked any fraud alerts against related loan file documentation

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

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

<br> - Captured and utilized appropriate credit score for guideline review

<br> o Title policy review included:

<br> - Title interest – determined if

<br> ◾ Fee simple

<br> ◾ Leasehold estate

<br> - Appropriate vestee(s) were listed on title policy

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

<br> - Applicable title endorsements were present

<br> - 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

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

<br> - Captured monthly tax payments in debt ratio calculation

<br> o HUD1 (Settlement Statement) review included:

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

<br> - Seller contributions did not exceed maximum allowed

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

<br> - Disbursements and pay-offs included in debt ratio calculations

<br> - Loan purpose confirmed

<br> o Hazard/Flood insurance review included:

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

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<br> - Confirmed that any required insurance was for the:

<br> ◾ Correct borrower

<br> ◾ Correct property

<br> ◾ Correct lender

<br> ◾ Correct loan number

<br> ◾ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period<br>

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

<br> - 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<br>

<br> o Mortgage Insurance review included:

<br> - Determined if mortgage insurance is required

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

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

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

<br> o Borrower identity

<br> - Social Security inconsistencies

<br> - Borrower name variations

<br> o Occupancy

<br> - Borrower address history

<br> - Subject property ownership history

<br> o Employment

<br> o Licensing – reviewed NMLS data for:

<br> - Mortgage lender/originator

<br> - Loan officer

<br> o OFAC

SEMT 2025-S2 Due Diligence Narrative Report Page \| 12 October 21, 2024

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APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT<br>

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

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

<br> o Appraisal report used standard GSE forms, appropriate to the property type:

<br> - 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)

<br> - 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)

<br> - 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

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

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

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

<br> o Appraisal report was reasonably complete and included:

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

<br> - Accurate identification of the subject property

<br> - Accurate identification of the subject loan transaction

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

<br> - All required attachments including:

<br> ◾ Subject front, rear and street photos and valued features

<br> ◾ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

<br> ◾ Photos of all comparable sales and listings

<br> ◾ Location map

<br> ◾ Exterior sketch of property with dimensions

<br> ◾ 1004MC Market Conditions Report

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

<br> - Appraisal date met supplied Sponsor Acquisition Criteria

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

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

<br> o Title XI of FIRREA:

<br> - 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

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

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

<br> o USPAP

<br> - 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.

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

<br> o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

<br> - 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.<br>

---

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

---

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

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

<br> - Property usage was reviewed for zoning compliance

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

<br> - Neighborhood values were reviewed to determine if declining

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

<br> ◾ Location

---

| | |
|:---|:---|
| ◾ | % built up |

---

<br> ◾ Growth rate

<br> ◾ Demand/supply

<br> ◾ Marketing time

<br> ◾ Predominant occupancy

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

<br> - Style of property was reviewed to determine if unique property

<br> - Any health and safety issues were noted and/or remediated

<br> - Locational and/or environmental concerns adequately addressed if present

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

<br> o 3 to 4 unit owner occupied properties

<br> o 2 to 4 unit second homes

<br> o Unwarrantable or limited review condominiums

<br> o Manufactured or mobile homes

<br> o Condotel units

<br> o Unique properties

<br> o Working farms, ranches or orchards

<br> o Mixed-use properties

<br> o Properties subject to existing oil or gas leases

<br> o Properties located in Hawaii Lava Zones 1 and 2

<br> o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage <br>

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;F. Disclaimer

---

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

---

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

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

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

<br> o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

&nbsp;&nbsp;&nbsp;&nbsp;G. Desk Review definitions

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

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | RedBell "Valuation Risk Review" or ("VRR") means Supplier's alternative valuation product which consists of a review of a third-party valuation product (appraisal or BPO) by a licensed real estate appraiser. The review is conducted to confirm the value provided in the third-party valuation product or provide a new reconciled, independent value. |

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SEMT 2025-S2 Due Diligence Narrative Report Page \| 15 October 21, 2024

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

#### Federal Law

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

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

<br> o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

<br> o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

---

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

---

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

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

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

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

---

---

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

---

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

**Truth in Lending Act and Regulation Z** – (continued)

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

<br> o High Cost mortgage thresholds for points and fees (Section 32)

<br> o High Cost Prohibited Acts and Practices upon request (Section 33)

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

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

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on all loans in the pool, 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. |

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

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

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

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

#### STATE, COUNTY and MUNICIPAL LAW

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;**B.** **State/Local High Cost** 

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

---

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

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

<br> • Minnesota (Mortgage Originator and Service Licensing Act)

<br> • Puerto Rico (Office Regulation 5722)

<br> • Texas (Texas Finance Code)

<br> • West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;**E.** **Consumer Protection** 

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

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

---

See 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:

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

#### GSE Testing
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.)

SEMT 2025-S2 Due Diligence Narrative Report Page \| 19 October 21, 2024

------

![](clayton_logo.gif)

#### Disclaimer
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.

<br>© 2025 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.

SEMT 2025-S2 Due Diligence Narrative Report Page \| 20<br> October 21, 2024

## Exhibit 99.2

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** | **SEMT 2025-S2** |  |  |  |
| **Start - End Dates:** | **6/16/2021 - 10/10/2025** | **6/16/2021 - 10/10/2025** |  |  |
| **Deal Loan Count:** | **124** |  |  |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |  |
| *Loans in Report* | *124* |  |  |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 409025089 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025092 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020144 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020378 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020409 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020409 | XXXXX | Note Rate | XXXXX | XXXXX |
| 409020438 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020439 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020439 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409020444 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020445 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020447 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020447 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409020450 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020450 | XXXXX | Note Rate | XXXXX | XXXXX |
| 409020454 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020457 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020529 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020529 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409020562 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |

---

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2025-S2** |
| **Start - End Dates:** | **2/7/2020 - 12/31/2021** |
| **Deal Loan Count:** | **124** |
| **Rating Agency ATR QM Data Fields** |  |
| *Loans in Report:* | *124* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 409019902 | QM: GSE Temporary - QM/RP | No | Yes | XXXXX | XXXXX | Yes | Yes | 9008.38 | XXXXX | 5.1409 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409019906 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 5789 | XXXXX | 5.5061 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409019907 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 3685 | XXXXX | 5.9419 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409019909 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 5539.34 | XXXXX | 5.2069 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409019919 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4480.41 | XXXXX | 4.4123 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409019920 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1939.53 | XXXXX | 4.4834 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409019921 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1465 | XXXXX | 4.4527 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409019934 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 18950.91 | XXXXX | 4.4874 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409019939 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11803.79 | XXXXX | 4.427 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409019951 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 17899.71 | XXXXX | 4.4883 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409019970 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1480 | XXXXX | 3.4094 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409019972 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13811.06 | XXXXX | 5.0617 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409019984 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15260.72 | XXXXX | 3.9786 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409019986 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2695 | XXXXX | 3.9214 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020005 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 28490.18 | XXXXX | 5.8541 | Employed | Employed | Non-Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409020009 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1540 | XXXXX | 5.3405 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020013 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10995 | XXXXX | 6.4739 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020016 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12712.1 | XXXXX | 4.272 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020020 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6059.8 | XXXXX | 4.4454 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020023 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1615 | XXXXX | 5.8022 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020027 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9500 | XXXXX | 3.6532 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020038 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10000 | XXXXX | 3.6701 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020040 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1465 | XXXXX | 5.9832 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020041 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 31154.24 | XXXXX | 5.9138 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020047 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1765 | XXXXX | 4.522 | Employed | Employed | Non-Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409020058 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11550 | XXXXX | 5.2462 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020061 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12242.9 | XXXXX | 3.7204 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020069 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 970 | XXXXX | 3.9089 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020071 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16438 | XXXXX | 6.2907 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020080 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1540 | XXXXX | 3.987 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409020081 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15725.7 | XXXXX | 4.7705 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409020082 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1465 | XXXXX | 4.1565 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409020084 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 19825.93 | XXXXX | 4.7662 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020089 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13999.44 | XXXXX | 3.2804 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020096 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 27029.8 | XXXXX | 3.5424 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020108 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 23297.93 | XXXXX | 4.6805 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020109 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9845.52 | XXXXX | 5.663 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020111 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7050 | XXXXX | 3.0833 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020118 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14576.77 | XXXXX | 4.5373 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020122 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9907.1 | XXXXX | 3.8477 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020126 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10352.2 | XXXXX | 4.1589 | Employed | Employed | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409020144 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6674 | XXXXX | 5.7217 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020145 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 4.3548 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020149 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13670 | XXXXX | 6.0802 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020155 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 18132.58 | XXXXX | 6.1208 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020158 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1565 | XXXXX | 4.0598 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020171 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 18281.72 | XXXXX | 4.2169 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020178 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 19849.2 | XXXXX | 3.7111 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020183 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1565 | XXXXX | 4.4202 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020214 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8757.66 | XXXXX | 3.9309 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020225 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16980.72 | XXXXX | 3.9247 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020233 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11450 | XXXXX | 4.3806 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020255 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11208 | XXXXX | 5.0154 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020260 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1527.19 | XXXXX | 5.1995 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020274 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9250 | XXXXX | 3.9014 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020277 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 895 | XXXXX | 5.6576 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020279 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10000 | XXXXX | 4.189 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020281 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.5373 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020283 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4780.95 | XXXXX | 4.9874 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020291 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1565 | XXXXX | 6.0363 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409020295 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1144.18 | XXXXX | 4.3932 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020304 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15390.71 | XXXXX | 4.4403 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020309 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6480.1 | XXXXX | 4.1132 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020312 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14217.15 | XXXXX | 5.2405 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020345 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8533.65 | XXXXX | 3.9215 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020348 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2356.98 | XXXXX | 4.0563 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409020359 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15164.06 | XXXXX | 4.2169 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020362 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8428.2 | XXXXX | 3.7765 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409020373 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1081 | XXXXX | 4.3911 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020374 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7390 | XXXXX | 4.5025 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020378 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14776.34 | XXXXX | 4.0487 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020379 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7746.99 | XXXXX | 3.866 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020409 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1952.13 | XXXXX | 5.0679 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020422 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2.02 | XXXXX | 4.0089 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020423 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9050 | XXXXX | 5.1184 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020424 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 18964.21 | XXXXX | 3.6394 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020425 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16835.36 | XXXXX | 3.7857 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020426 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 19343.18 | XXXXX | 4.532 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020427 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1400 | XXXXX | 4.5511 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020429 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1184.68 | XXXXX | 3.8539 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020430 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 19917.92 | XXXXX | 5.8098 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020431 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 900 | XXXXX | 5.0182 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020432 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 19228.81 | XXXXX | 5.792 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020433 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10703.02 | XXXXX | 5.6033 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020435 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2714.13 | XXXXX | 5.0488 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020436 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3298.4 | XXXXX | 5.2284 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020437 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 8694.08 | XXXXX | 5.8355 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020438 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 895 | XXXXX | 4.9177 | Employed | Unemployed | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409020439 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 3455 | XXXXX | 5.4979 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020441 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 895 | XXXXX | 4.5566 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020442 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 5445 | XXXXX | 5.6981 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020443 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2637.85 | XXXXX | 5.3081 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020444 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 10939.35 | XXXXX | 3.8959 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020445 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 8147.3 | XXXXX | 5.2068 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020446 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 4954 | XXXXX | 4.8331 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020447 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 895 | XXXXX | 5.6783 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020448 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 6172.41 | XXXXX | 5.6291 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020449 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 9484.45 | XXXXX | 5.4766 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409020450 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 6837.5 | XXXXX | 4.791 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020451 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 3965.73 | XXXXX | 5.1191 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409020452 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 5725.8 | XXXXX | 5.1682 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020454 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 6563.07 | XXXXX | 5.4582 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020455 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 7028.98 | XXXXX | 5.5642 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020456 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 7023.5 | XXXXX | 5.6654 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020457 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 6571.27 | XXXXX | 5.696 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020458 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 6135.24 | XXXXX | 5.1698 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020529 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 3838.11 | XXXXX | 5.2814 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020537 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 25995 | XXXXX | 6.0448 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020540 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14990.94 | XXXXX | 3.957 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020548 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 5006.5 | XXXXX | 5.2387 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020562 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 17957.95 | XXXXX | 3.5953 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020590 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8865 | XXXXX | 4.4844 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409022002 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2000 | XXXXX | 5.9314 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409022253 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 5.8899 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409022254 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 980 | XXXXX | 5.9798 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409022261 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14210.25 | XXXXX | 6.008 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409023765 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10970 | XXXXX | 6.0115 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025089 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5615 | XXXXX | 3.2007 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025090 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1155 | XXXXX | 3.3943 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025091 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1235 | XXXXX | 3.2695 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025092 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6365 | XXXXX | 3.4028 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025094 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1625.25 | XXXXX | 3.1433 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025095 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1625.25 | XXXXX | 3.2705 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409025107 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 3.1456 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| <br>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2025-S2** |
| **Start - End Dates:** | **6/16/2021 - 10/10/2025** |
| **Deal Loan Count:** | **124** |
| **ATR QM Upload** |  |
| *Loans in Report:* | *124* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 |
| **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** |
| 409019902 | XXXXX | XXXXX | XXXXX | XXXXX | QM: GSE Temporary - QM/RP | (No Data) | Present | QM: Rebuttable Presumption | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.1409 | Yes | Yes | 2.968 | 0.000 | No | Yes | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.72 | 33.72 | 33.72 | 33.72 | 33.72 | 33.72 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019906 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 5.5061 | No | No | 2.318 | Unavailable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.47 | 46.47 | 46.47 | 46.47 | 46.47 | 46.47 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019907 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9419 | Yes | Yes | 1.639 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.65 | 26.65 | 26.65 | 26.65 | 26.65 | 26.65 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019909 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.2069 | Yes | Yes | 2.815 | 3.000 | Yes | No | 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) | 37.91 | 36.57 | 37.91 | 36.57 | 36.57 | 36.57 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019919 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.4123 | Yes | Yes | 0.253 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.49 | 20.49 | 20.49 | 20.49 | 20.49 | 20.49 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 36 | 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) | Yes | (No Data) | 1 | Yes | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 1 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 1 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019920 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.4834 | Yes | Yes | 0.112 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.59 | 27.59 | 27.59 | 27.59 | 27.59 | 27.59 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 36 | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 6 | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 6 months | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019921 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.4527 | No | No | 0.084 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.9 | 43.9 | 43.9 | 43.9 | 43.9 | 43.9 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 43 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 36 months;<br> Written VOE - 43 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019934 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.4874 | Yes | No | 1.248 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.24 | 41.65 | 44.24 | 41.65 | 41.65 | 41.65 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 12 | Yes | (No Data) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 1 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019939 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.4270 | No | No | 0.801 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.89 | 44.51 | 44.89 | 44.51 | 44.51 | 44.51 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019951 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.4883 | Yes | Yes | 1.312 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.38 | 40.17 | 38.38 | 40.17 | 40.17 | 40.17 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | 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) - 36 months;<br> Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019970 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Present | QM: Safe Harbor | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 3.4094 | Yes | No | 0.113 | 0.000 | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.9 | 42.05 | 43.9 | 42.05 | 42.05 | 42.05 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 1 | Yes | (No Data) | 28 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019972 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.0617 | Yes | Yes | 1.12 | Not Applicable | No | No | 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) | 42.85 | 42.96 | 42.85 | 42.96 | 42.96 | 42.96 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 3 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019984 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.9786 | Yes | Yes | 1.229 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.32 | 35.32 | 35.32 | 35.32 | 35.32 | 35.32 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 12 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 25 | Yes | (No Data) | 37 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 12 months;<br> Written VOE - 25 months | Paystub - 1 months;<br> Written VOE - 37 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019986 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.9214 | Yes | Yes | 0.218 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.73 | 32.73 | 32.73 | 32.73 | 32.73 | 32.73 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 72 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 72 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020005 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8541 | Yes | Yes | 2.503 | 0.000 | No | No | 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) | 37.17 | 37.17 | 37.17 | 37.17 | 37.17 | 37.17 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (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 | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020009 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.3405 | No | No | 0.135 | 0.000 | No | No | 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) | 44.12 | 44.11 | 44.12 | 44.11 | 44.11 | 44.11 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (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 | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020013 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4739 | Yes | Yes | 0.933 | 0.933 | (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 | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.77 | 36.77 | 36.77 | 36.77 | 36.77 | 36.77 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 12 | 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 | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020016 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.2720 | No | No | 1.12 | 0.000 | No | No | 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) | 43.88 | 43.88 | 43.88 | 43.88 | 43.88 | 43.88 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (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 | (No Data) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020020 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.4454 | Yes | Yes | 0.533 | 0.533 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35 | 35 | 35 | 35 | 35 | 35 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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) | Yes | (No Data) | 54 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 54 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020023 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8022 | Yes | Yes | 0.144 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.06 | 32.06 | 32.06 | 32.06 | 32.06 | 32.06 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020027 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.6532 | Yes | Yes | 0.844 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.99 | 38.06 | 37.99 | 38.06 | 38.06 | 38.06 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 12 | 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 Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months | CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020038 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.6701 | Yes | Yes | 0.913 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.51 | 30.45 | 31.51 | 30.45 | 30.45 | 30.45 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 4 | 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 | (No Data) | 24 | Yes | (No Data) | 35 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 4 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020040 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9832 | Yes | Yes | 0.138 | Not Applicable | No | No | 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) | 33.91 | 33.92 | 33.91 | 33.92 | 33.92 | 33.92 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 28 | Yes | (No Data) | 28 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 28 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020041 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9138 | Yes | Yes | 2.985 | 1.419 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.54 | 41.54 | 41.54 | 41.54 | 41.54 | 41.54 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (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 | (No Data) | 72 | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 72 months | Offer Letter - 1 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) |
| 409020047 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.5220 | Yes | Yes | 0.164 | 0.000 | No | No | 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) | 30.1 | 30.1 | 30.1 | 30.1 | 30.1 | 30.1 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | 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 | (No Data) | 25 | Yes | (No Data) | 13 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months;<br> Written VOE - 25 months | W2 - 24 months;<br> Written VOE - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020058 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.2462 | Yes | Yes | 1.124 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.08 | 24.08 | 24.08 | 24.08 | 24.08 | 24.08 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 12 | Yes | (No Data) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 2 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 2 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020061 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.7204 | Yes | Yes | 1.185 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40 | 40.34 | 40 | 40.34 | 40.34 | 40.34 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 35 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020069 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.9089 | Yes | Yes | 0.096 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.65 | 41.94 | 41.65 | 41.94 | 41.93 | 41.93 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020071 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2907 | No | No | 1.662 | 0.000 | No | No | 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) | 44.21 | 44.83 | 44.21 | 44.83 | 44.83 | 44.83 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 12 | Yes | (No Data) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 12 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020080 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.9870 | Yes | Yes | 0.158 | 0.000 | No | No | 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) | 41.71 | 41.71 | 41.71 | 41.71 | 41.71 | 41.71 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020081 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.7705 | Yes | Yes | 1.551 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.8 | 36.57 | 35.8 | 36.57 | 36.57 | 36.57 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 37 | Yes | (No Data) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 37 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020082 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.1565 | Yes | Yes | 0.15 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.55 | 39.55 | 39.55 | 39.55 | 39.55 | 39.55 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (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 | (No Data) | 24 | Yes | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020084 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.7662 | Yes | Yes | 2.109 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.46 | 26.42 | 26.46 | 26.42 | 26.42 | 26.42 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020089 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.2804 | Yes | Yes | 1.446 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.52 | 27.58 | 27.52 | 27.58 | 27.58 | 27.58 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020096 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.5424 | Yes | Yes | 2.852 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.32 | 42.91 | 42.32 | 42.91 | 42.91 | 42.91 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 3 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020108 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.6805 | Yes | Yes | 2.637 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.66 | 34.66 | 34.66 | 34.66 | 34.66 | 34.66 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | 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 - 36 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020109 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.6630 | Yes | Yes | 1.133 | Not Applicable | No | No | 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) | 33.37 | 33.22 | 33.37 | 33.22 | 33.22 | 33.22 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020111 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 3.0833 | No | No | 0.828 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.39 | 44.76 | 44.39 | 44.76 | 44.76 | 44.76 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 24 | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020118 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.5373 | Yes | Yes | 1.676 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.64 | 34.23 | 33.64 | 34.23 | 34.23 | 34.23 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 8 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 8 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020122 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 3.8477 | No | No | 1.127 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.62 | 44.62 | 44.62 | 44.62 | 44.62 | 44.62 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020126 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.1589 | Yes | Yes | 1.181 | 0.000 | No | No | 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) | 35.78 | 35.78 | 35.78 | 35.78 | 35.78 | 35.78 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 36 | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | (No Data) | 26 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 36 months | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020144 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.7217 | Yes | No | 0.787 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.66 | 38.36 | 44.66 | 38.36 | 38.36 | 38.36 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 48 | 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) | Yes | (No Data) | 29 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 2 months;<br> W2 - 48 months | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020145 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.3548 | Yes | Yes | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.73 | 23.96 | 24.73 | 23.96 | 23.96 | 23.96 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020149 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0802 | Yes | No | 1.66 | 0.201 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.12 | 42.67 | 44.12 | 42.67 | 42.67 | 42.67 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020155 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1208 | No | No | 2.256 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.59 | 43.59 | 43.59 | 43.59 | 43.59 | 43.59 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | 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> Lease Agreement - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020158 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.0598 | Yes | Yes | 0.19 | 0.000 | Yes | No | 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) | 38.78 | 38.78 | 38.78 | 38.78 | 38.78 | 38.78 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | 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 - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020171 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.2169 | Yes | Yes | 2.231 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.02 | 30.01 | 30.02 | 30.01 | 30.01 | 30.01 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020178 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 3.7111 | No | No | 2.431 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.16 | 44.2 | 44.16 | 44.2 | 44.2 | 44.2 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020183 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.4202 | Yes | Yes | 0.198 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.44 | 38.17 | 37.44 | 38.17 | 38.17 | 38.17 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 1 | Yes | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 2 months;<br> Written VOE - 1 months | Paystub - 1 months;<br> W2 - 2 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020214 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.9309 | Yes | Yes | 1.134 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.71 | 24.58 | 24.71 | 24.58 | 24.58 | 24.58 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020225 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.9247 | Yes | Yes | 2.234 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.63 | 39.63 | 39.63 | 39.63 | 39.63 | 39.63 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020233 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.3806 | Yes | Yes | 1.498 | 0.000 | No | No | 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) | 28.47 | 28.47 | 28.47 | 28.47 | 28.47 | 28.47 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (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 | (No Data) | 25 | Yes | (No Data) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020255 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.0154 | Yes | Yes | 1.517 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.71 | 35.07 | 34.71 | 35.07 | 35.07 | 35.07 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 26 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020260 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.1995 | No | No | 0.211 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.38 | 44.38 | 44.38 | 44.38 | 44.38 | 44.38 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020274 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.9014 | Yes | Yes | 1.25 | 0.000 | No | No | 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) | 32.46 | 32.46 | 32.46 | 32.46 | 32.46 | 32.46 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 36 | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | (No Data) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 36 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020277 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.6576 | Yes | Yes | 0.125 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.78 | 40.12 | 40.78 | 40.12 | 40.12 | 40.12 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020279 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.1890 | Yes | No | 1.368 | 3.000 | No | No | 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) | 43.19 | 41.97 | 43.19 | 41.97 | 41.97 | 41.97 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | 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> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 14 months;<br> W2 - 36 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020281 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5373 | Yes | Yes | 0.194 | 0.194 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.38 | 40.38 | 40.38 | 40.38 | 40.38 | 40.38 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020283 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.9874 | No | No | 0.678 | Not Applicable | No | No | 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) | 44.2 | 44.54 | 44.2 | 44.54 | 44.54 | 44.54 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 36 | Yes | 36 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | (No Data) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020291 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0363 | Yes | Yes | 0.223 | 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 | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.67 | 33.86 | 33.67 | 33.86 | 33.86 | 33.86 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020295 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.3932 | Yes | Yes | 0.159 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.31 | 23.26 | 23.31 | 23.26 | 23.26 | 23.26 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020304 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.4403 | No | No | 2.19 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.06 | 43.06 | 43.06 | 43.06 | 43.06 | 43.06 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020309 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | 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 | 4.1132 | No | No | 0.931 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.61 | 44.31 | 44.61 | 44.31 | 44.31 | 44.31 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | 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 Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020312 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.2405 | No | No | 2.059 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.93 | 44.67 | 44.93 | 44.67 | 44.67 | 44.67 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 52 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 52 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020345 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.9215 | Yes | Yes | 1.28 | 0.000 | No | No | 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) | 30.34 | 30.34 | 30.34 | 30.34 | 30.34 | 30.34 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | 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 | (No Data) | 25 | Yes | (No Data) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 12 months;<br> Written VOE - 25 months | W2 - 12 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020348 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR-Attached | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.0563 | Yes | Yes | 0.346 | Not Applicable | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.91 | 42.91 | 42.91 | 42.91 | 42.91 | 42.91 | Yes | Yes | Yes | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 27 | 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 | (No Data) | 15 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 15 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 27 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020359 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.2169 | Yes | Yes | 2.28 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.18 | 36.27 | 37.18 | 36.27 | 36.27 | 36.27 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 8 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 8 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020362 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.7765 | Yes | Yes | 1.257 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.51 | 30.51 | 30.51 | 30.51 | 30.51 | 30.51 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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) | Yes | (No Data) | 37 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 37 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020373 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.3911 | Yes | Yes | 0.168 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.4 | 33.15 | 33.4 | 33.15 | 33.15 | 33.15 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 8 | Yes | 8 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 8 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 8 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 36 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 8 months;<br> Paystub - 8 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 8 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months;<br> Written VOE - 8 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020374 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.5025 | No | No | 1.16 | 1.160 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.85 | 44.85 | 44.85 | 44.85 | 44.85 | 44.85 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020378 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.0487 | Yes | Yes | 2.285 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39 | 42.16 | 39 | 42.16 | 42.16 | 42.16 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 9 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | 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) - 36 months;<br> P & L - 9 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020379 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.8660 | Yes | Yes | 1.239 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (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 | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020409 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Attached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.0679 | Yes | Yes | 0.698 | 0.326 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.02 | 31.03 | 31.02 | 31.03 | 31.03 | 31.03 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 40 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 40 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020422 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.0089 | Yes | Yes | 0 | 0.000 | No | No | 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) | 30 | 30 | 30 | 30 | 30 | 30 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 36 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020423 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.1184 | Yes | Yes | 0.828 | 1.867 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.23 | 40.22 | 40.23 | 40.22 | 40.22 | 40.22 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (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 | (No Data) | 24 | Yes | (No Data) | 72 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 72 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020424 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.6394 | Yes | Yes | 1.68 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.8 | 27.96 | 29.8 | 27.96 | 27.96 | 27.96 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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) | Yes | (No Data) | 41 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Written VOE - 41 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020425 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.7857 | Yes | Yes | 1.819 | 1.819 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.3 | 25.3 | 25.3 | 25.3 | 25.3 | 25.3 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 99 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 4 months;<br> W2 - 24 months;<br> Written VOE - 99 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020426 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.5320 | Yes | Yes | 2.23 | 0.000 | No | No | 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) | 31.4 | 32.31 | 31.4 | 32.31 | 32.31 | 32.31 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020427 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.5511 | No | No | 0.164 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.87 | 45.98 | 43.87 | 45.98 | 45.98 | 45.98 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020429 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 3.8539 | No | No | 0.153 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.94 | 43.94 | 43.94 | 43.94 | 43.94 | 43.94 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 1 | Yes | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 1 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020430 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8098 | Yes | Yes | 2.726 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.07 | 36.08 | 36.07 | 36.08 | 36.08 | 36.08 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020431 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.0182 | Yes | Yes | 0.119 | 0.000 | No | No | 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) | 36.8 | 36.8 | 36.8 | 36.8 | 36.8 | 36.8 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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) | Yes | (No Data) | 120 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020432 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.7920 | Yes | Yes | 2.887 | Not Applicable | No | No | 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) | 38.45 | 38.44 | 38.45 | 38.44 | 38.44 | 38.44 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 30 | Yes | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 36 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | IRS Transcripts – W2(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020433 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.6033 | Yes | Yes | 1.727 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.52 | 42.13 | 42.52 | 42.13 | 42.13 | 42.13 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020435 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.0488 | Yes | Yes | 0.565 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.66 | 32.06 | 31.66 | 32.06 | 32.06 | 32.06 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 36 | Yes | 36 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | 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 | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020436 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.2284 | No | No | 0.704 | 0.424 | Yes | No | 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) | 46.25 | 46.25 | 46.25 | 46.25 | 46.25 | 46.25 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 26 | Yes | (No Data) | 26 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 26 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020437 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8355 | Yes | Yes | 1.902 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.74 | 32.72 | 32.74 | 32.72 | 32.72 | 32.72 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020438 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 4.9177 | No | No | 0.194 | 0.007 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.56 | 46.48 | 46.56 | 46.48 | 46.48 | 46.48 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 13 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 12 months;<br> Written VOE - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020439 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.4979 | Yes | Yes | 0.819 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.9 | 39.81 | 38.9 | 39.81 | 39.81 | 39.81 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020441 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.5566 | Yes | Yes | 0.227 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40 | 39.53 | 40 | 39.53 | 39.53 | 39.53 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 26 | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 26 months | Offer Letter - 4 months;<br> Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020442 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.6981 | Yes | Yes | 1.416 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.57 | 28.57 | 28.57 | 28.57 | 28.57 | 28.57 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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) | Yes | 24 | Yes | 24 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Verbal VOE with Income - 24 months | Verbal VOE with Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020443 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.3081 | Yes | Yes | 0.706 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.77 | 39.9 | 39.77 | 39.9 | 39.9 | 39.9 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 24 | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020444 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.8959 | Yes | Yes | 2.984 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.19 | 36.19 | 36.19 | 36.19 | 36.19 | 36.19 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020445 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.2068 | Yes | Yes | 2.349 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.41 | 39.3 | 32.41 | 39.3 | 39.3 | 39.3 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 32 | Yes | (No Data) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 32 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020446 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR-Attached | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.8331 | Yes | Yes | 1.414 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.25 | 22.21 | 22.25 | 22.21 | 22.21 | 22.21 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020447 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.6783 | No | No | 0.271 | 0.271 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.75 | 44.75 | 44.75 | 44.75 | 44.75 | 44.75 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020448 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 5.6291 | No | No | 1.92 | 0.000 | No | Yes | 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) | 46.79 | 46.79 | 46.79 | 46.79 | 46.79 | 46.79 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020449 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 5.4766 | No | No | 2.808 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49 | 48.91 | 49 | 48.91 | 48.91 | 48.91 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020450 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 4.7910 | No | No | 2.215 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45 | 45.06 | 45 | 45.06 | 45.06 | 45.06 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Lease Agreement - 1 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020451 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.1191 | No | No | 1.402 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.72 | 45.72 | 45.72 | 45.72 | 45.72 | 45.72 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 26 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020452 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.1682 | Yes | Yes | 2.263 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37 | 34.6 | 37 | 34.6 | 34.6 | 34.6 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020454 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.4582 | Yes | Yes | 2.732 | 0.000 | No | Yes | 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) | 40 | 40.38 | 40 | 40.38 | 40.38 | 40.38 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020455 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.5642 | No | No | 2.909 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.42 | 45.89 | 45.42 | 45.89 | 45.89 | 45.89 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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) | 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) | Yes | (No Data) | 5 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 24 months | W2 - 24 months;<br> Written VOE - 5 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020456 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.6654 | No | No | 2.997 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.99 | 47.98 | 47.99 | 47.98 | 47.98 | 47.98 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 162 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 24 months;<br> W2 - 24 months;<br> Written VOE - 162 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020457 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.6960 | Yes | Yes | 2.917 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.59 | 35.59 | 35.59 | 35.59 | 35.59 | 35.59 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020458 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.1698 | Yes | Yes | 2.935 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.93 | 26.94 | 26.94 | 26.94 | 26.94 | 26.94 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020529 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.2814 | No | No | 1.925 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.26 | 45.26 | 45.26 | 45.26 | 45.26 | 45.26 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 27 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020537 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0448 | No | No | 2.102 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.79 | 44.87 | 44.79 | 44.87 | 44.87 | 44.87 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | 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 Data) | Yes | (No Data) | 216 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 216 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020540 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.9570 | Yes | Yes | 2.497 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.32 | 19.26 | 19.32 | 19.26 | 19.26 | 19.26 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020548 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.2387 | Yes | Yes | 2.284 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31 | 31.6 | 31 | 31.6 | 31.6 | 31.6 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 13 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 13 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020562 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.5953 | Yes | Yes | 1.158 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.06 | 21.97 | 17.06 | 21.97 | 21.97 | 21.97 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | 36 | 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) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 36 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020590 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.4844 | Yes | Yes | 1.145 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.7 | 42.09 | 41.7 | 42.09 | 42.09 | 42.09 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 9 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022002 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | 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 | 5.9314 | Yes | Yes | 0.177 | 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 | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.71 | 38.71 | 38.71 | 38.71 | 38.71 | 38.71 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (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 | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022253 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | 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 | 5.8899 | Yes | Yes | 0.09 | 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) | 32.05 | 32.05 | 32.05 | 32.05 | 32.05 | 32.05 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 20 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 20 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022254 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | 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 | 5.9798 | No | No | 0.061 | 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) | 44.4 | 44.4 | 44.4 | 44.4 | 44.4 | 44.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 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 | (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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022261 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0080 | Yes | Yes | 1.377 | 1.377 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.79 | 27.65 | 27.79 | 27.65 | 27.65 | 27.65 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 30 | Yes | Independent Third Party (The Work Number, Equifax etc) | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023765 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0115 | No | No | 0.752 | 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) | 44.83 | 44.83 | 44.83 | 44.83 | 44.83 | 44.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 32 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 32 months;<br> W2 - 12 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025089 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.2007 | Yes | Yes | 0.859 | 0.000 | No | No | 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) | 25.58 | 28.52 | 25.58 | 28.52 | 28.52 | 28.52 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025090 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.3943 | Yes | Yes | 0.142 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.18 | 41.18 | 41.18 | 41.18 | 41.18 | 41.18 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025091 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.2695 | Yes | Yes | 0.134 | 0.134 | (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 | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.71 | 39.37 | 39.71 | 39.37 | 39.37 | 39.37 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 12 | 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 | (No Data) | 12 | Yes | (No Data) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 12 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 12 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025092 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Not Provided | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 3.4028 | Yes | No | 0.328 | 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 | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.98 | 0 | 41.98 | 41.98 | 41.98 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025094 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.1433 | Yes | Yes | 0.168 | 0.000 | No | No | 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) | 36.99 | 36.99 | 36.99 | 36.99 | 36.99 | 36.99 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025095 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.2705 | Yes | Yes | 0.187 | 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 | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.89 | 30.89 | 30.89 | 30.89 | 30.89 | 30.89 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | 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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 36 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025107 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.1456 | Yes | Yes | 0.17 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 12.63 | 12.32 | 12.63 | 12.32 | 12.32 | 12.32 | No | No | (No Data) | XXXXX | (No Data) | 0 | (No Data) | (No Data) | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| <br>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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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## Exhibit 99.5

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2025-S2** |
| **Start - End Dates:** | **6/16/2021 - 10/10/2025** |
| **Deal Loan Count:** | **124** |
| **Valuations Summary** |  |
| *Loans in Report:* | *124* |

---

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| | | | | | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 409019902 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019906 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019907 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019909 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019919 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019920 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019921 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019934 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019939 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019951 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019970 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019972 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Lender Internal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019984 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019986 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020005 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020009 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020013 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020016 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020020 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409020023 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020027 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020038 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020040 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Lender Internal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020041 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020047 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020058 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020061 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020069 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020071 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020080 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020081 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020082 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020084 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020089 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020096 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020108 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020109 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020111 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020118 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020122 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020126 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020144 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020145 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020149 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020155 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020158 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020171 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020178 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409020183 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020214 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020225 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020233 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Lender Internal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020255 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020260 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020274 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020277 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020279 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020281 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020283 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020291 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020295 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020304 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020309 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409020312 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020345 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020348 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020359 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020362 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020373 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020374 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020378 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020379 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409020409 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020422 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020423 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020424 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409020425 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020426 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020427 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020429 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020430 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Lender Internal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020431 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020432 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020433 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409020435 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020436 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409020437 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409020438 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020439 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020441 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020442 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020443 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020444 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020445 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Lender Internal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020446 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020447 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020448 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020449 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020450 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020451 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020452 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020454 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020455 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020456 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020457 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020458 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020529 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020537 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409020540 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020548 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020562 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020590 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022002 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022253 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022254 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409022261 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022351 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409023765 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025089 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409025090 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409025091 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025092 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | XXXXX | XXXXX | XXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409025094 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409025095 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409025107 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.6

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2025-S2** |
| **Start - End Dates:** | **6/16/2021 - 10/10/2025** |
| **Deal Loan Count:** | **124** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *124* |
| ***Loans with Conditions:*** | *101* |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Initial S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 409019902 | XXXXXX | XXXXXX | QM: Rebuttable Presumption | QM: GSE Temporary - QM/RP<br> D<br> A<br> C | Credit | Assets | Satisfied | C<br> A | C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | The borrower documented $XXX in available liquid assets - $XXX funds to close - $XXX required reserves per the DU Findings = ($XXX) short for required reserves. Provide documented evidence that the borrower had sufficient assets for required reserves at closing. | 4.XXX.2022 Client appears to be now switching from DU to LP (after loan closed) and provided an LP submission #XXX and provided updated XXX8 showing loan approved LP. Condition remains for (1). loan already closed with DU approval and this LP was ran after subject closing. Upon receipt and review, review of LP findings Note: credit report for this new LP appears to be same credit report (reference #) for the DU approve/Eligible XXX.2.22 Updated AUS acceptable. No reserves required per LP | Condition satisfied | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has occupied the primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The borrower has been with the current employer for XXX years XXX months<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: The borrower is utilizing XXX% of the credit available to him.<br>|
| 409019902 | XXXXXX | XXXXXX | QM: Rebuttable Presumption | QM: GSE Temporary - QM/RP<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Provide 3rd party appraisal review | 04/19/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has occupied the primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The borrower has been with the current employer for XXX years XXX months<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: The borrower is utilizing XXX% of the credit available to him.<br>|
| 40901990XXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | xxx's status determination places loan in a riskier status than the Lender's status determination. xxxs status QM:RP vs Clients status of QM: Safe Harbor. | XXX.XXX.22 Client agrees with QM:RP status | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years at the current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years at their current job.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI reserves<br>|
| 40901990XXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D<br> A | D<br> 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 the following:1) for B1 - Pay Stubs, 2020 &02021 W2's, and WVOE to verify income in the amount of $XXX/mo.2) for B2 - 2020 and 2021 W2's3) N=Missing names on the 2020 and 2021 W2's in file. | 5/3 Client requested a review; upon review the file is Missing the WVOE dated XXX for B1 per LP; for B2 the 2020 1040s and 1120s returns in file are not signed; provide the signed 2020 1040s and 1120s returns per LP; missing the Legible 2020 W2 for B2 it is required as part of the complete 2020 1040 and copy in file is missing the Name and some data.5.5.2022 Client provided VVOE dated 3.1XXX.2022 however prior update income documentation still missing. Condition remains for the prior income documentation Note: WVOE is a Written VOE with income verification, what was provided was only a VVOE verifying employment (no income was verified on this VVOE)XXX.3.2022 Client provided VOI for B1 (supporting monthly income of $xxx) with income and reflects 2020/2021 and YTD 2022 income pay history, still missing other income documentation requested in initial condition. Provide 2020/2021 W2's for B2 (file have 2021/2020 W2's however no name are on the W2's) XXX.3.2022 Client provided duplicate (in file) 1120S 2020 business returns for B2 business: XXX and provided duplicate (in file) 2020 1040 personal returns for B2. Condition remains: Provide 2020/2021 W2's for B2 (file have 2021/2020 W2's however no name are on the W2's) XXX.XXX.22 XXX.XXX.22 B2 W2s not required per AUD LP for XXX Bwr. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years at the current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years at their current job.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI reserves<br>|
| 40901990XXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. Satisfied with sourced document. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years at the current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years at their current job.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI reserves<br>|
| 40901990XXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied | D<br> A | D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Missing the following: 1) for B1 - Pay Stubs, 2020 &02021 W2's, and WVOE to verify income in the amount of $XXX/mo. 2) for B2 - 2020 and 2021 W2's 3) N=Missing names on the 2020 and 2021 W2's in file. | 5/3 Client requested a review; upon review the file is Missing the WVOE dated XXX for B1 per LP; for B2 the 2020 1040s and 1120s returns in file are not signed; provide the signed 2020 1040s and 1120s returns per LP; missing the Legible 2020 W2 for B2 it is required as part of the complete 2020 1040 and copy in file is missing the Name and some data.5.5.2022 Client provided VVOE dated 3.1XXX.2022 however prior update income documentation still missing. Condition remains for the prior income documentation Note: WVOE is a Written VOE with income verification, what was provided was only a VVOE verifying employment (no income was verified on this VVOE)XXX.3.2022 Client provided VOI for B1 (supporting monthly income of $XXX) with income and reflects 2020/2021 and YTD 2022 income pay history, still missing other income documentation requested in initial condition. Provide 2020/2021 W2's for B2 (file have 2021/2020 W2's however no name are on the W2's) XXX.3.2022 Client provided duplicate (in file) 1120S 2020 business returns for B2 business: XXX and provided duplicate (in file) 2020 1040 personal returns for B2. Condition remains: Provide 2020/2021 W2's for B2 (file have 2021/2020 W2's however no name are on the W2's) XXX.XXX.22 B2 W2s not required per AUD LP for XXX Bwr. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years at the current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years at their current job.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI reserves<br>|
| 409019907 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing desk review supporting original appraisal value. | 05/10/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI XXX is below lender's guide line maximum.<br>|
| 409019909 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing CDA | 04/19/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS28XXX0: Good credit history<br> - xxx Comments: 0x30 on all credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: verified reserves are in excess of $XXX<br>|
| 409019919 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B<br> A | B<br> A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Real Estate Commission information is disclosed in Contact Information section of final CD dated XXX, however in section H (Other) of final CD in file reflect no Real Estate Commission (S) fee. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI is XXX%; XXX% points below the maximum guideline of XXX%.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower is only using XXX% of current available credit lines.<br>|
| 409019920 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC-XXX-"New Information Requires Additional Services" Provide details on COC what new information requires additional services on XXX or provide refund of increased XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information. Appraisal Fee Increase of $XXX Total Above Tolerance | 03/14/2022-Client provided Refund Check, LOX, PCCD, and proof of delivery including shipping method. | 03/15/2022 Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO > XXX points above guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI in reserves; XXX months required.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI > XXX% below guideline maximum of XXX%.<br>|
| 409019921 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Zero tolerance in amount of $XXX due to added Credit Report fee on LE XXX with no valid reason documented in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/18/22 Client provided a XXX Post CD with cure, LOE, refund check and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The borrower has been in the same profession for XXX years.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Credit Line Usage is @ XXX%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Satisfactory payment history.<br>|
| 409019921 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | CU is XXX; missing Updated Valuation. | 04/14/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The borrower has been in the same profession for XXX years.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Credit Line Usage is @ XXX%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Satisfactory payment history.<br>|
| 409019934 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on current job since XXX with over XXX years in field.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: No mortgage related occurrence in past XXX months per credit report.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXX, months PITI reserves (Qual Rate): XXX months<br>|
| 409019934 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on current job since XXX with over XXX years in field.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: No mortgage related occurrence in past XXX months per credit report.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXX, months PITI reserves (Qual Rate): XXX months<br>|
| 409019939 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | File is missing a CDA to support the appraised value. | 03/09/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The borrower has been a physician for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX total assets - $XXX funds to close = $XXX remaining assets - $XXX XXX - months PITI reserves as required by the lender = $XXX remaining/$XXX PITI = XXX additional months reserves.<br>|
| 409019951 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Zero percent tolerance of $XXX due to Discount Points fee increased on XXX with no valid reason in file. Provide PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking information within XXX days of discovery. | 05/2XXX/2022 Client provided COC XXX reflecting increase in discount points due to Lock after initial disclosure, lock expiration or relock. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX or XXX months PITIA; per guideline requirements $XXX or XXX months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score.<br>|
| 409019970 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied | D<br> A | D<br> A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing Copy of Gift Letter from XXX for $XXX and Proof of gift deposit into borrowers account from XXX for $XXX . Missing copy of XXX showing borrower's name on it, XXX history has no name on it. | 7/15 Client provided a Gift letter and evidence of deposit ; Missing XXX8/XXX Client provided XXX account statements through XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years in profession.<br>|
| 409019970 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied | D<br> A | D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing DU findings showing approve/ineligible due to loan amount. Missing Initial and Final Early Check. | 7/15 Client provided the DU AI: and Early Check | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years in profession.<br>|
| 409019970 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing CDA to support original appraised value. CU score XXX. | 07/12/2021 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years in profession.<br>|
| 409019972 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Insufficient Hazard Insurance Coverage of $XXX does not cover XXX % of loan amount which is $XXX or loan amount of $XXX. Please provide RCE for hazard insurance. | 5.12.2022 Client provided HOI estimated replacement cost worksheet, HOI reflects sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score.<br>|
| 4090199XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC - XXX-Information Relied on Becomes Inaccurate Provide details on COCs what information became Inaccurate on XXX or provide refund of increased XXX within XXX0 days of consummation and proof of delivery via shipping method that includes tracking information. Appraisal fee Increase of $XXX Total Above Tolerance | 05/03/2022 Client provided COC XXX reflecting increase to appraisal fee due to rush fee added to complete report in time to close loan. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years, XXX months with current employer<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds minimum required score of XXX<br>|
| 40901998XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX vs XXX<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: XXX% vs XXX%<br>|
| 409020005 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation to support the appraised value. | 0XXX/09/2022 CDA report provided supporting original appraised value within variance | Condition Satisfied. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrowers' DTI XXX% is below the max DTI XXX%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 & B2 has been in profession for XXX years & XXX years respectively.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers' credit score XXX exceeds the XXX required score<br>|
| 409020009 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years working in the same line of work.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years living in the same residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds typical guidelines by more than XXX points<br>|
| 409020009 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation supporting $XXX. | 0XXX/24/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years working in the same line of work.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years living in the same residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds typical guidelines by more than XXX points<br>|
| 409020013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months PITI reserves per GL and Zero required per AUS and XXX months PITI verified<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Min score and verified score is XXX<br>|
| 40902001XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX7XXX | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation. | No | COC-XXX-"New Information Requires Additional Services" Provide details on COC what new information requires additional services on XXX or provide refund of increased XXX within XXX0 days of consummation and proof of delivery via shipping method that includes tracking information. Recording Fee Increase of $XXX Total Above Tolerance | 04/12/2022 Client provided PCCD XXX with cure, copy of cure check, LOE and delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years at current residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 & B2 has been in profession for XXX years & XXX years respectively.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers' credit score XXX exceeds the required score of XXX<br>|
| 40902001XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation to support the appraised value | 4.XXX.2022 Client provided Lender desk review however still missing 3rd party CDA valuation supporting appraised value. Condition remains 04/11/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years at current residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 & B2 has been in profession for XXX years & XXX years respectively.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers' credit score XXX exceeds the required score of XXX<br>|
| 409020020 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPRXXX | Missing Appraisal | No | Missing Appraisal Report. | 3.4.2022 Client provided subject full appraisal with value of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Per eligibility matrix max DTI is XXX%.The Loan closed with a DTI of XX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $ XXXVerified cash reserves exceed guidelines of $ XXX.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower credit usage ratio is XXX%.<br>|
| 409020020 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing CDA to support original appraised value. | 03/09/2022 CDA report provided supporting original appraised value within variance. | Condition satisfied. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Per eligibility matrix max DTI is XXX%.The Loan closed with a DTI of XX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $ XXXVerified cash reserves exceed guidelines of $ XXX.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower credit usage ratio is XXX%.<br>|
| 409020020 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | FEMA | Satisfied | B<br> A | B<br> A | PRVAFEMA85XXX | Natural Disaster Area, no subsequent inspection (Public) | No | Natural Disaster Area, no subsequent inspection (Individual & Public) FEMA Declaration #XXX dated XXX effective XXX for Severe Winter Storm,Flooding,Landslides and Mudslides. | 3.4.2022 Client provided subject full appraisal with value of $XXX dated XXX; not in disaster area after receipt of appraisal | Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Per eligibility matrix max DTI is XXX%.The Loan closed with a DTI of XX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $ XXXVerified cash reserves exceed guidelines of $ XXX.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower credit usage ratio is XXX%.<br>|
| 409020023 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: 0x30 for XXX+ months<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrowers have only made use of XXX% of an available $XXX in available open credit line<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below guideline maximum DTI.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXXAvailable Reserve: $XXX<br>|
| 4090200XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the XXX credit score requirement by XXX points.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has lived in current residence over XXX years.<br>|
| 409020038 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Legal Documents | Satisfied | D<br> A | D<br> A | CRDLGLXXX | Legal document incorrect or incomplete | No | The Notary Date on the Mortgage is XXX and the date on the face of the document is XXX. It appears the borrowers signed the document in front of a notary the day before the document was drawn. The date indicated by the borrowers on the Closing Disclosure is XXX. | 4.11.2022 No document found, please re-send 4/12 Client provided a scrivener's error affidavit that the Notary date was an error | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B2 has been with the current employer for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The lowest middle credit score is XXX and guidelines allow the credit score to be XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available liquid, investment, and retirement assets - $XXX reserves per the DU Findings to pay off XXX Account #: XXX - $XXX funds to close - $XXX-months PITIA reserves on the subject per Lender guidelines - $XXX% of the balance reserves for the other financed property per Lender guidelines = $XXX remaining assets/$XXX[$XXX PITIA subject + $XXX PITIA for departing residence] = XXX months PITIA reserves for both financed properties.<br>|
| 409020040 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum credit score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the max DTI.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close $XXX/ $XXX =XXX months Required XXX months x $XXX =$XXX<br>|
| 409020040 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective date XXX is greater than the transaction date XXX | XXX.22.2022 Client provided HOI policy effective XXX - XXX with sufficient coverage (disbursement date XXX) | Condition satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum credit score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the max DTI.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close $XXX/ $XXX =XXX months Required XXX months x $XXX =$XXX<br>|
| 409020040 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR175 | Missing Review Appraisal required per guidelines | No | Loan amounts > XXX to $XXX; One full appraisal AND LD Appraisal Department desk review required. Missing LD appraisal review. | XXX.22.2022 Client provided copy of LD Desk review with value being acceptable | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum credit score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the max DTI.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close $XXX/ $XXX =XXX months Required XXX months x $XXX =$XXX<br>|
| 409020041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. Fees sourced on Seller CD. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX yrs vs XXX yrs CB<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: XXX% vs XXX%<br>|
| 409020041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX7XXX | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation. | No | The XXX% tolerance testing failed by $XXX due to the Recording Fee increases on CD XXX. The COC's in file do not reflect valid Reasons/Explanations for why the fee was increased. Provide further details for review, or provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information. | 05/XXX/2022 Client provided PCCD XXX cure, copy of cure check, which includes the increase on PCCD of Recording fee in the amount of $XXX, LOE and shipping label in crested status. Condition remains for delivery. 05/31/2022 Shipping label status now shows delivered. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX yrs vs XXX yrs CB<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: XXX% vs XXX%<br>|
| 409020041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | No CDA in file CU score > XXX | 0XXX/03/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX yrs vs XXX yrs CB<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: XXX% vs XXX%<br>|
| 409020047 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation to support the appraised value. Missing CDA | 04/14/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrowers' DTI XXX%, required DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers' credit score XXX exceeds the required score of XX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 & B2 has both been in profession for XXX years.<br>|
| 409020058 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Transaction date is XXX and disbursement date is XXX but Insurance effective date is XXX - Please provide an updated HOI policy with effective date that meets guideline requirement | 4.20.2022 Client provided subject Final HUD-1 Settlement statement with disbursement date of XXX and HOI policy effective date is XXX | Condition satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qual score- XXX; Program min- XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXXAvailable Reserve: $XXX<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: B1 has only made use of XXX% of an available $XXX credit line<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Calc DTI- XXX%; Program max- XXX%<br>|
| 409020058 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | CU Score is XXX. Updated valuation product is required per guideline | 04/25/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qual score- XXX; Program min- XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXXAvailable Reserve: $XXX<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: B1 has only made use of XXX% of an available $XXX credit line<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Calc DTI- XXX%; Program max- XXX%<br>|
| 4090200XXX1 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The borrower has been a XXX with the current employer for XXX years<br>CFCFS2854: Significant time in profession<br> - xxx Comments: The borrower has been in the XXX profession for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow a credit score of XXX<br>|
| 4090200XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC- XXX -"New Information Requires Additional Services" Provide details on COC what new information requires additional services on XXX or provide refund of increased XXX tolerance fee of $XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information. Appraisal Fee Increase of $XXX Total Above Tolerance Administrative Fee Added of $XXX Total Above Tolerance | 03/29/2022 Client provided COC XXX reflecting increase of appraisal fee due to lack of Appraiser availability. Appraiser would only accept the order and completed with in rushed timeframe at the higher quote. Retesting results in remaining $XXX tolerance for additional of Admin fee in section A with no valid reason provided. Provide a valid reason for this fee addition on CD XXX or PCCD with $XXX cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information. 04/05/2022 Client provided PCCD XXX with cure, copy of cure check, LOE and Delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The borrower has been in his profession for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower documented $XXX in available gift, liquid, investment, and retirement assets - $XXX funds to close = $XXX remaining assets - $XXX XXX-months required reserves per lender guidelines = $XXX remaining/$XXX PITIA payment = XXX additional months of reserves.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: The borrower is utilizing only XXX% of the credit available to him.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow a credit score of XXX.<br>|
| 4090200XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX7XXX | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation. | No | COC XXX -"New Information Requires Additional Services" Provide details on COC what new information requires additional services on XXX or provide refund of increased XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information. Recording Fees Increase of $XXX Total Above Tolerance | 03/24/22 Client provided a XXX Post CD, LOE and Tracking. Condition remains. For further testing, provide the Final Settlement Statement/ALTA.03/28/2022 Client provided Final Settlement Statement matching figures on Disbursement CD XXX. Retesting results in no XXX% tolerance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The borrower has been in his profession for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower documented $XXX in available gift, liquid, investment, and retirement assets - $XXX funds to close = $XXX remaining assets - $XXX XXX-months required reserves per lender guidelines = $XXX remaining/$XXX PITIA payment = XXX additional months of reserves.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: The borrower is utilizing only XXX% of the credit available to him.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow a credit score of XXX.<br>|
| 4090200XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation., CU score is XXX | Desk review received value supported | exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The borrower has been in his profession for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower documented $XXX in available gift, liquid, investment, and retirement assets - $XXX funds to close = $XXX remaining assets - $XXX XXX-months required reserves per lender guidelines = $XXX remaining/$XXX PITIA payment = XXX additional months of reserves.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: The borrower is utilizing only XXX% of the credit available to him.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow a credit score of XXX.<br>|
| 4090200XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been a XXX for over XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close $XXX or XXX months Required $XXX x XXX =$XX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX fico exceeds XXX mid score<br>|
| 409020080 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrower's DTI XXX%, required DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's credit score XXX exceeds the required score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $XXX or XXX months PITI; per guidelines reserves of $XXX or XXX months PITIA reserves required<br>|
| 409020081 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied | D<br> A | D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide DU Findings ID#: XXX as reflected on the XXX8. | 3/31 Client provided the DUAI | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been with the current employer for XXX years XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available liquid and retirement asset - $XXX funds to close - $XXX XXX - months PITI reserves on the subject per lender guidelines - $XXX XXX% of the balance of the other financed property reserves per lender guidelines = $XXX remaining assets/$XXX PITIA payments = XXX months of additional reserves on both properties owned.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The lowest middle credit score is XXX and guidelines allow the credit score to be XXX.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: B1 is utilizing XXX% of the credit available to him.<br>|
| 4090200XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B<br> A | B<br> A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Final CD missing Seller Paid Fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS28XXX0: Good credit history<br> - xxx Comments: GOOD CREDIT HISTORY<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: CREDIT SCORE OF XXX ABOVE LIMITS OF XXX<br>|
| 4090200XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Zero tolerance in amount of $XXX due to increased Tax Stamp from $XXX to $XXXwith no valid COC in file. Loan amount is consistent on all disclosures. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/12/2022 Client provided Updated COC XXX reflecting increase to Transfer Taxes for recording of the Grant Deed based on the updated Purchase Loan Amount. Condition remains. Based on Loan Disclosures in file, Loan amount remained the same through out from initial LE to PCCD XXX. Provide Detail, valid explanation for increase to the transfer taxes or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information. 04/14/22 Client provided a XXX Post CD with cure, LOE, refund check and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS28XXX0: Good credit history<br> - xxx Comments: GOOD CREDIT HISTORY<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: CREDIT SCORE OF XXX ABOVE LIMITS OF XXX<br>|
| 4090200XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | Points exceed XXX% | 04/0XXX/22 Client provided the QM Bona Fide Discount Point Calculation worksheet. Condition remains. The exclusion testing is below the Discount Per Point standard. Points are not excluded. The QM fee testing results in total Charges of $XXX (XXX%), which is above the maximum allowed charges of XXX% ($XXX). Fee totals exceed max by $XXX.4/28/2022 Client provided acceptance of the discount per point to be below .XXX%. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession of over XXX years XXX month<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% below requirement the maximum DTI.<br>|
| 4090200XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> A | CMPATRQM2904 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage. | No | Points exceed XXX%, is not a qualified mortgage | 04/0XXX/22 Client provided the QM Bona Fide Discount Point Calculation worksheet. Condition remains. The exclusion testing is below the Discount Per Point standard. Points are not excluded. The QM fee testing results in total Charges of $XXX(XXX%), which is above the maximum allowed charges of XXX% ($XXX). Fee totals exceed max by $XXX.4/28/2022 Client provided acceptance of the discount per point to be below .XXX%. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession of over XXX years XXX month<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% below requirement the maximum DTI.<br>|
| 409020089 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has lived in current residence over XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the XXX credit score requirement by 8XXX points.<br>|
| 40902009XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC-XXX-"Information Relied on Becomes Inaccurate" Provide details on COC what information became Inaccurate on XXX or provide refund of increased 0% tolerance fee of $XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information. Appraisal Fee Increase of $XXX Total Above Tolerance Discount Points Increase of $XXX Total Above Tolerance | 03/17/2022 Client provided COC XXX reflecting increase to points due to lock expiration and repricing and increase to Appraisal fee due to due to receipt of appraisers invoice and it was higher than quoted. Condition remains. LE's in file do not show a lock until XXX and do not reflect relock as information states on COC XXX. Provide a valid reason for points increase on XXX as disclosure does not reflect locked and a valid reason for appraiser to increase their report fee after initial disclosure. Due to the fact the COC would be delivered to us after the fact, and past XXX days of discovery with no real time stamps; please provide an attestation that the COC provided was documented prior to consummation for review. Additional conditions may apply. 04/07/2022 Client provided COC XXX reflecting increase to discount points due to lock expired, loan repriced and increase to appraisal fee due to receiving appraiser invoice with higher than quoted. Also provided LOA certifying COC created and uploaded on XXX. Condition remains. Provide explanation of lock expired, however first Disclosure in file reflecting a lock is dated after on XXX. Provide also a valid reason for appraiser to increase their report fee after initial disclosure. 05/05/2022 Client provided COC XXX reflecting Appraisal increase due to Unique/Custom property - releasing fee - GLA, acreage,XXXX Sq Ft. Also reflects increase to Discount Points due to repricing, Interest rate XXX%. Loan not yet locked. Also provided LOA certifying COC XXX was created and uploaded the same day. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS28XXX0: Good credit history<br> - xxx Comments: NO LATES<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: MINIMAL CREDIT<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Borrowers have $XXX in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>|
| 409020108 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX40 | 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 in amount of $XXX due to increased/ added title fees on LE XXX. Title provider is an affiliate to Mortgage Broker and fees are tested for XXX% tolerance. COC dated XXX is not a valid COC as Title Settlement fee, Title CPL fee and Title Endorsement fee are not impacted by rate lock not a loan amount increase. Lender's cure on final CD was applied towards Appraisal fee and Taxes Stamp fees. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/24/2022 Client provided PCCD XXX with additional cure, copy of cure check, LOE and in transit shipping label. | Condition Satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in profession.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrower's DTI XXX%, required DTI XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's credit score XXX exceeds the required score of XXX.<br>|
| 409020108 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing CDA. CU Score XXX | 05/19/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in profession.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrower's DTI XXX%, required DTI XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's credit score XXX exceeds the required score of XXX.<br>|
| 409020109 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commission reflected on Seller CD but not in section H of Borrower Final CD. Selling realtor is owner of record. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the maximum DTI.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close $XXX or XXX months Required $XXX x XXX =$XXX<br>|
| 409020109 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation. CU score XXX | 5.18.2022 Desk Review received value supported | 5.18.2022 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the maximum DTI.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close $XXX or XXX months Required $XXX x XXX =$XXX<br>|
| 409020111 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC XXX. "Information Relied on Becomes Inaccurate OR "New Information Requires Additional Services" Provide details on COCs what information became Inaccurate or what new info became available on COCs XXX or Provide refund of increased 0% tolerance of $XXX within XX X days of consummation and proof of delivery via shipping method that includes tracking information. Appraisal fee Increase of $XXX Total Above Tolerance. Credit report fee Increase of $XXX Total Above Tolerance. Inspection fee increase of $XXX Total Above Tolerance. | 03/08/2022 Client provided COC XXX reflecting increase of Appraisal fee due to added management Co fee to XXX fee. COC XXX reflecting increase again due to Additional Rent Schedule needed, and COC XXX reflecting increase to Credit Report fee due to Broker Loan, secondary fee added. Condition remains. Provide COC with valid reason for addition of Reinspection fee of $XXX on CD XXX and due to the fact the COC's were delivered to us after the fact, and past XXX days of discovery with no real time stamps; please provide an attestation that the COC's provided were documented prior to consummation to clear condition. 04/01/22 Client provided the updated XXX COC stating the Borrower requested a reconsideration of value to be done. Also, lender provided an attestation stating the XXX COC was created and uploaded on XXX. Condition remains for the attestation that the additional COC's provided were documented prior to Consummation.04/07/2022 Client provided a Letter of Attestation referencing COCs XXX and XXX were uploaded on these days. Condition satisfied | 04/07/2022 Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceed required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX or XXX months PITI..<br>|
| 409020111 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Assets | Satisfied | D<br> A | D<br> A | CRDAST2XXX70 | Asset documentation is insufficient per guideline requirements | No | Guideline require XXX months bank statements for each account, only XXX month provided for each account.. | 12/1 Client provided the additional months statements. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceed required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX or XXX months PITI..<br>|
| 409020111 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Income/Employment | Satisfied | C<br> A | C<br> A | CRDINC150 | Income docs do not meet guidelines | No | Missing lease agreement for property located at XXX | 12/1 Client provided the lease agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceed required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX or XXX months PITI..<br>|
| 409020111 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Income/Employment | Waived | B | B | CRDINC3204 | Income Documentation Missing | No | Missing previous year paystub for borrower. Lender stated paystub from XXX and YTD was used to determine XXX income. There is no previous years paystub income to support XXX.. | 3.7.2022 Client provided end of year XXX paystub however still missing end of year XXX paystub for calculation of XXX income (YTD XXX paystub in file pg. 2XXX). Note date XXX | Upon further review by senior underwriter exception is deemed non-material. Borrower has significant time on job. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceed required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX or XXX months PITI..<br>|
| 409020111 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Insufficient hazard insurance with no cost to rebuild in file. | 12/1 Client provided the RCE for the subject. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceed required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX or XXX months PITI..<br>|
| 409020118 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Provide details on COCs what information became Inaccurate on XXX and XXX or provide refund of increased XXX% tolerance fee of $XXX, $XXX for increase appraisal, and $XXX for credit report within XXX0 days of consummation and proof of delivery via shipping method that includes tracking information. | 12/12/2021 Client provided COC XXX reflecting increase of appraisal fee due to Gross Living area releasing fee - high value. Re-testing results in Zero tolerance of $XXX due to increase of Credit Report fee with no valid reason on COC. Condition remains. Provide valid reason for increase or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information. 12/22/2021 Client provided PCCD XXX with a copy of refund check, LOE to borrower and XXX slip. Disclosure was tested with no issues. Condition satisfied | 12/22/2021 Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX fico exceed XXX<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: Not using the full current foster payment of $XXX to qualify<br>|
| 409020118 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Credit/Mtg History | Satisfied | D<br> A | D<br> A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing lease agreement or Verification of rent for current rental borrowers are in. Missing Verification of rent from XXX and from XXX | 1.7.2022 Client provided some bank statements, LOX and some duplicate assets documentation (in file), however appears borrower are currently renting, XXX3 do not reflect the amount borrowers are renting for. Condition remains for copy of lease agreement for current rental housing along with XXX3 to reflect the amount the current rent is for. Upon receipt and review, review the documents for current housing history. 1.13.2022 Client provided the XXX3 reflecting the rental income however the lease is still outstanding.3.3.2022 Client provided LOX stating: According to guidelines, proof of XXX months recent rent is required. This along with no delinquency verified by the management company satisfies requirements. Response, Agree XXX months recent is required and with review of the updated XXX3 that was previously provided now reflects monthly rent of $XXX (the XXX3 in file previously did not reflect amount) and Client provided previously a print out with appears to now be the rent history was unable to determine this previously without the XXX3 reflecting the amount, with review of this print out that was previously provided to support the monthly $XXX current housing rent, appears $XXX is not verified for all months, some months are missing the other portion to total $XXX ; condition remains to verify full $XXX for the following months: XXX missing additional $XXX and XXX missing additional $XXX and XXX missing additional $XXX and XXX missing additional $XXX and XXX missing additional $XXXNote: History from XXX - XXX XXX and XXX - XXX XXX with a few months not covering the full $XXXXXX.3.22 Bwr LOE rcvd explaining why the rent payments does not equal $XXX. XXX months pay history documented | Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX fico exceed XXX<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: Not using the full current foster payment of $XXX to qualify<br>|
| 409020122 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC XXX -"Information Relied on Becomes Inaccurate" and "New Information Requires Additional Services" Provide details on COCs what new information or info relied that was inaccurate was present on XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information. Appraisal fee Increase of $XXX Total Above Tolerance. Inspection fee Added/Increased of $XXX Total Above Tolerance. | 03/18/2022 Client provided COC XXX reflecting increase of Inspection fee due to Subject to Appraisal with XXX4D required. No valid COC received for original addition of Inspection fee of $XXX. Retesting results in Zero tolerance of $XXX. Provide valid reason for addition of $XXX Inspection fee on XXX and for increase to appraisal report fee of $XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Available Reserve: $XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0x30 for XXX+ months<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has worked XXX+ years in same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>|
| 40902012XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrowers' DTI XXX%, required DTI XXX%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 & B2 has been in profession for XXX years & XXX years respectively.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers' credit score XXX exceeds the required score XXX.<br>|
| 4090201XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX40 | 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 | COC-XXX-"New Information Requires Additional Services" Provide details on COC what new information requires additional services on XXX or provide refund of increased 0% tolerance fee of $XXX within XXX days of discovery and proof of delivery via shipping method that includes tracking information. Transfer Taxes Fee Increase of $XXX Total Above Tolerance | 0XXX/03/2022 Client provided an updated COC XXX reflecting increased Taxes due to Loan Amount increase. Condition remains. The Transfer Tax fee increase reflected on LE XXX untimely due to Loan amount change on LE XXX. Provide PCCD with additional cure, copy of cure check, LOE to Borrower and evidence of shipment. 0XXX/24/2022 Client provided PCCD XXX with cure, copy of cure check, LOE and shipping label for delivery. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrowers occupied the departing residence for XXX years XXX months.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: B2 documented wage income by providing pay stubs, W-2 statements, WVOE expired, VVOE and XXX years tax transcripts<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available liquid, investment, and retirement assets - $XXX for funds to close - $XXX XXX-months PITI reserves on subject per lender guidelines - $XXX for XXX% of the balance reserves on XXX per lender guidelines = $XXX remaining assets/$XXX [$XXX PITI subject + $XXX PITI XXX] = XXX additional months reserves on both financed properties owned.<br>|
| 409020145 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: The borrower has been in his profession for XXX years<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: The WVOE reflects the borrower receives Overtime and Bonus income which were not used to qualify for the mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower documented $XXX in available liquid assets - $XXX funds to close = $XXX - $XXX to pay off American Express account #: XXX - day account - $XXX XXX - months PITIA reserves on the subject - $XXX XXX% of the outstanding balance of the other XXX financed properties = $XXX remaining liquid assets.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow a middle score of XXX<br>|
| 409020149 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | The Zero tolerance testing failed by $XXX due to the Appraisal Fee increases on LE XXX. The COC's in file do not reflect valid Reasons/Explanations for why the fee was increased. Provide COC for review, or provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information. | 0XXX/20/2022 Client provided COC XXX reflecting increase of appraisal fee due to GLA, Uni/custom prpty, enhanced view/location. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX VS XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX YRS VS XXX YRS<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX YRS VS XXX YRS<br>|
| 409020155 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | $XXX zero tolerance due to increase in credit report on XXX. Provide COC reflecting vail reason for increase or corrected PCCD, copy of refund check, LOX and verification of shipping. | 0XXX/28/2022 Client provided PCCD XXX with cure, copy of cure check, LOE, Disclosure tracking for delivery of PCCD and shipping label for delivery of cure check. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXXAvailable Reserve: $XX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qual score- XXX; Program min- XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0x30 for XXX months<br>|
| 409020155 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH123 | No evidence of required debt payoff | No | Missing evidence in file that XXX XXX XXX , XXX XXX , XXX XXX Credit card, XXX XXX Credit Card and XXX XXX Credit card debts have been paid off. Please provide missing documents. | 8/25/2025 client provided an approved exception. | Initial and final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXXAvailable Reserve: $XX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qual score- XXX; Program min- XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0x30 for XXX months<br>|
| 409020155 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | CU Score is XXX- Updated valuation product is required | 0XXX/24/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXXAvailable Reserve: $XX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qual score- XXX; Program min- XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0x30 for XXX months<br>|
| 409020158 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Right of Rescission | Satisfied | C<br> B | C<br> B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Signing date XXX. Earliest Expiration date on ROR in file is XXX with Disbursement date on final CD as XXX. Borrower did not receive their full XXX days of rescission. Condition is pending receiving : Re-open Rescission for all Title Holders with dates allowing for method of delivery, LOE to borrower, PCCD and final ALTA Statement confirming Disbursement date. | 04/04/2022 Client Provided PCCD XXX with correction to Disbursement date. Condition remains. Provide Final Settlement Statement confirming Disbursement date on PCCD. For Reopening Rescission, see exception CMPROR117 for incorrect Midnight of expiration date.04/0XXX/2022 Client provided Final Settlement Statement reflecting Disbursement XXX. For Reopening Rescission, see exception CMPROR117 for incorrect Midnight of expiration date. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's credit score XXX exceeds the required score of XXX<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrower's DTI XXX%, required DTI XXX%<br>|
| 409020158 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Right of Rescission | Waived | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Signing date XXX. Earliest Expiration date on ROR in file is XXX with Disbursement date on final CD as XXX. Borrower did not receive their full XXX days of rescission. Condition is pending receiving : Re-open Rescission for all Title Holders with dates allowing for method of delivery, LOE to borrower, PCCD and final ALTA Statement confirming Disbursement date. | 04/14/22 Client provided an approved exception for the ROR Expiration Date prior to end of rescission period. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's credit score XXX exceeds the required score of XXX<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrower's DTI XXX%, required DTI XXX%<br>|
| 409020158 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard insurance coverage of $XXX | 4.4.2022 Client provided HOI estimated replacement cost worksheet with calculated value of $XXX; HOI reflects sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's credit score XXX exceeds the required score of XXX<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrower's DTI XXX%, required DTI XXX%<br>|
| 409020158 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Terms/Guidelines | Waived | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | The borrower received $XXX cash back shown on the final CD. The maximum cash back is 2% of loan amount or $XXX whichever is less. | 4.12.2022 Client provided exception approval for cash back of $XXX is over $XXX or XXX% of loan amount whichever is less exceeds guidelines maximum. Max cash out for this transaction is $XXX and actual cash back is $XXX | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's credit score XXX exceeds the required score of XXX<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrower's DTI XXX%, required DTI XXX%<br>|
| 4090201XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Compliance Manual | Satisfied | D<br> A | D<br> A | CMPMAN295XXX | Missing disclosure | No | Provide Seller Closing disclosure & Final Closing Disclosure executed at closing. | 03/1XXX/2022 Client provided Duplicate PCCD XXX signed by Borrower on XXX and Seller CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower is only using XXX% of current available credit lines.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the XXX credit score requirement by XXX points.<br>|
| 4090201XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX7XXX | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation. | No | XXX percent tolerance of $XXX due to Lender Title Insurance fee & Title Endorsement fee increased with no reason in file (COC reflects no reason for these fee increases). 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 method including tracking information within XXX0 days of consummation. | 03/17/2022 Client provided PCCD XXX changing Provider Name and moving fees to C section. Condition remains. Provide explanation for fee location and provider name changes for retesting of fees. 03/22/2022 Client provided email explaining Fees were placed in the wrong section as Borrower did not choose a provider from list. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower is only using XXX% of current available credit lines.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the XXX credit score requirement by XXX points.<br>|
| 4090201XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing XXX month mortgage or rental history since loan closed on XXX. | 8/28/2025 client provided an approved exception. | Initial and final grade B. | (No Data) | Not Applicable | CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower is only using XXX% of current available credit lines.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the XXX credit score requirement by XXX points.<br>|
| 4090201XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Property Valuations | Appraisal | Satisfied | C<br> A | C<br> A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Missing Appraiser license. | 3/15 Client provided the subject appraisal with license | Condition satisfied | (No Data) | Not Applicable | CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower is only using XXX% of current available credit lines.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the XXX credit score requirement by XXX points.<br>|
| 4090201XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPRXXX | Missing Appraisal | No | Missing Appraisal. | 3/15 Client provided the subject appraisal | Condition satisfied | (No Data) | Not Applicable | CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower is only using XXX% of current available credit lines.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the XXX credit score requirement by XXX points.<br>|
| 409020178 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3950 | TRID - CD: The Additional Product Feature value in the CD Loan Information section and the Negative Amortization disclosure in the CD Loan Disclosures section are not consistent | No | Final CD XXX missing pages 3 and 4. | 12/23/2021 Client provided a complete final CD XXX. Condition satisfied | 12/23/2021 Condition satisfied | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit Score of XXX exceeds guideline minimum score.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX Verified as XXX months PITIA $XXX Reserves Required PER AUS<br>|
| 409020178 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID4350 | TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form | No | Final CD XXX missing pages 3 and 4. | 12/23/2021 Client provided a complete final CD XXX. Condition satisfied | 12/23/2021 Condition satisfied | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit Score of XXX exceeds guideline minimum score.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX Verified as XXX months PITIA $XXX Reserves Required PER AUS<br>|
| 409020178 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC - XXX - Information Relied on Becomes Inaccurate Provide details on COCs what information became Inaccurate on XXX or provide refund of increased XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information. Appraisal Fee, Credit Report, Discount Points fee Increase of $XXX Total Above Tolerance | 12/23/2021 Client provided COC dated XXX stating loan was not locked and therefore Discount points increase is not set. Re-testing fees decreased XXX for increased Credit Report fee. Both fees had no valid reason stated on COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.10/12/2021 Client provided PCCD XXX with cure, copy of cure check, LOE, Disclosure tracing for PCCD delivery and shipping label for check delivery. Condition remains. Appraisal fee on PCCD has increased again by the amount of the cure $XXX. Provide PCCD with Appraisal fee corrected to the $XXX on final CD and Final Settlement Statement confirming the amount Borrower was charged for this fee. Additional Conditions may apply. 01/28/22 Client provided a corrected XXX Post CD, LOE to borrower and Appraisal Invoice confirming payment of $XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit Score of XXX exceeds guideline minimum score.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX Verified as XXX months PITIA $XXX Reserves Required PER AUS<br>|
| 409020178 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing Updated Valuation to Support $ XXX | CDA dated XXX is provided and supports the appraisal value $XXX variance | exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit Score of XXX exceeds guideline minimum score.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX Verified as XXX months PITIA $XXX Reserves Required PER AUS<br>|
| 409020183 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Credit/Mtg History | Satisfied | D<br> A | D<br> A | CRDCRMH183 | Credit report incomplete | No | Missing credit report reference ID # XXX used per the DU findings. | 3/8 Client provided the credit report | Condition satisfied | (No Data) | Not Applicable | CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower is only using XXX% of current available credit lines.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower 2 has over XXX years in current job.<br>|
| 409020183 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated CDA valuation since CU score greater than 2.5. | Desk review received value supported | exception satisfied. | (No Data) | Not Applicable | CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower is only using XXX% of current available credit lines.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower 2 has over XXX years in current job.<br>|
| 409020214 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC XXX -"NEW INFORMATION REQUIRES ADDITIONAL SERVICES "Provide details on COCs what new information was present on XXX or PCCD with cure of $XXX, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information. Appraisal fee Increase of $XXX Total Above Tolerance. | 02/1XXX/2022 Client provided COC dated XXX indicating fee was increased to $XXX due to high value home with large GLA and sq. footage. Condition remains as fee was decreased from $XXX with no valid COC in file. Appraisal invoice was issued on XXX. Provide PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.02/21/2021 Client provided PCCD XXX with cure, copy of cure checks, LOE and delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXX, months PITI reserves (Qual Rate): XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Calculated DTI of XXX% is below guideline requirement.<br>|
| 409020214 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX7XXX | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation. | No | COC XXX -"NEW INFORMATION REQUIRES ADDITIONAL SERVICES "Provide details of increase to recording fee $XXX. Service for Survey not listed on SPL or provide refund of increased XXX cure, copy of cure check, LOE to Borrower and evidence of delivery via shipping method that includes tracking information. Recording fee Increase of XXX Total Above Tolerance.\*Survey fee added XXX above tolerance. Survey is no a Service listed on SPL and no providers for. | 02/21/2021 Client provided PCCD XXX with cure, copy of cure checks, LOE and delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXX, months PITI reserves (Qual Rate): XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Calculated DTI of XXX% is below guideline requirement.<br>|
| 409020225 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Zero tolerance in amount of $XXX due to increased Appraisal fee from $XXX with no valid COC in file. COC dated XXX does not indicate a reason why fee was increased. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/2XXX/2022 Client provided PCCD XXX cure, copy of cure check, LOE and in transit shipping label. Condition remains. Flood fee was increased by the amount of the cure. If in error, provide corrected PCCD, LOE detailing the reason for correction to the Borrower and evidence of shipment. Additional Conditions may apply. 05/02/2022 Client provided PCCD XXX with Flood fee corrected and detail LOE of fee mistakenly increased and is now reflecting that correct amount paid for Flood fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The borrower has been in his profession for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: The LTV is XXX% and guidelines allow the LTV to be XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower documented $XXX in liquid and investment assets - $XXX for funds to close as the Closing Disclosure reflects the borrower received $XXX cash in hand at closing - $XXX months of additional reserves.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: The borrower is utilizing XXX% of the credit available to him.<br>|
| 409020225 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Income/Employment | Satisfied | D<br> A | D<br> A | CRDINC3204 | Income Documentation Missing | No | Provide the XXX Verification of Employment with salary that was used to validate the income by DU as the only thing in the file are XXX Verifications of Employment without salary and the loan was qualified with Bonus income. No W-2 statements were provided so calculating the Bonus income is not possible. | 4.XXX.2022 Client provided Written VOE with base and bonus income breakdown, average XXX for a monthly bonus of $XXX that is being used for qualifying. | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The borrower has been in his profession for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: The LTV is XXX% and guidelines allow the LTV to be XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower documented $XXX in liquid and investment assets - $XXX for funds to close as the Closing Disclosure reflects the borrower received $XXX cash in hand at closing - $XXX months of additional reserves.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: The borrower is utilizing XXX% of the credit available to him.<br>|
| 409020233 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller paid fees on seller CD but not all fees are disclosed on page 2 of the Borrowers final CD dated XXX. | (No Data) | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 & B2 has been in profession for XXX years & XXX years respectively<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrower's DTI XXX%, required DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's credit score XXX, required score XXX<br>|
| 409020233 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX40 | 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 | COC XXX-"LOAN ESTIMATE BASELINE AMOUNT, SURVEY FEE "Provide details on COC what new information was present on XXX or provide refund of increased $XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information. Survey Fee added in the amount of $XXX Total Above Tolerance" Lender provided a $XXX cure Credit at Closing for the increased Appraisal Fee. | 03/28/2022 Client provided PCCD XXX with additional cure, copy of cure check, LOE and Shipping label for delivery. | Condition Satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 & B2 has been in profession for XXX years & XXX years respectively<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrower's DTI XXX%, required DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's credit score XXX, required score XXX<br>|
| 409020255 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC-XXX & XXX-"Information Relied on Becomes Inaccurate" Provide details on COC what information became Inaccurate on XXX & XXX or provide refund of increased 0% tolerance fee of $XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information. Appraisal Fee Increase of $XXX Total Above Tolerance Survey Fee Increase of $XXX Total Above Tolerance | 04/28/2022 Client provided COC XXX reflecting increase for appraisal fee due to the Large area SQ FT & rush fee needed to receive report on time and addition of Survey fee of $XXX due to Borrower choosing to have survey completed and not required by Lender. Also, a COC XXX reflecting increase of Survey fee to $XXX due to receiving invoice supported by previous COC stating Borrower choice and not Lender required. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the maximum DTI.<br>|
| 4090202XXX0 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | RE commission fees paid by seller are not disclosed in H. section on the final CD. Seller's CD in file and able to trace fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXXReserves required per AUS: $XXXMonths PITI reserves (Qual Rate): XXmonths<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on current job since XXX.<br>|
| 4090202XXX0 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXXReserves required per AUS: $XXXMonths PITI reserves (Qual Rate): XXmonths<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on current job since XXX.<br>|
| 4090202XXX0 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Zero tolerance in amount of $XXX due to increase in Appraisal fee without stating a valid reason on COC dated XXX in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 0XXX/24/2022 Client provided PCCD XXX with cure, copy of cure check, LOE and shipping label in created status. Condition remains for delivery. 0XXX/XXX/2022 Delivery tracking now reflects in transit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXXReserves required per AUS: $XXXMonths PITI reserves (Qual Rate): XXmonths<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on current job since XXX.<br>|
| 4090202XXX0 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation to support appraised value. CU Score is XXX | XXX.20.22 Desk Review received value supported. | Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXXReserves required per AUS: $XXXMonths PITI reserves (Qual Rate): XXmonths<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on current job since XXX.<br>|
| 409020XXX4 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrowers' DTI XXX%, required DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers' credit score XXX exceeds the required score of XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 & B2 has both been in profession for XXX years.<br>|
| 409020XXX7 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC-XXX-"New Information Requires Additional Services" Provide details on COC what new information requires additional services on XXX or provide refund of increased XXX% tolerance fee of $XXX within XXX days of discovery and proof of delivery via shipping method that includes tracking information. Appraisal Fee Increase of $XXX Total Above Tolerance | 0XXX/08/2022 Client provided PCCD with cure, Copy of cure check and LOE. Condition remains for proof of delivery via shipping method that includes tracking information for refund check, and Flood fee was increased on the PCCD by the cure amount. If this was in error, provide Corrected PCCD with detailed explanation to Borrower for change and evidence of shipment. 0XXX/15/2022 Client provided Shipping label dated XXX delivery date XXX along with corrected PCCD XXX reflecting correct Flood fee with LOE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXXReserves required per AUS: $XXXMonths PITI reserves (Qual Rate): XXX months require XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has been on current residence for XXX years.<br>|
| 409020XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years at address.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at job<br>|
| 409020281 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds minimum score needed<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is XXX% below program maximum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX for reserves exceeds the Loan required $XXXin reserves<br>|
| 409020283 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been at current job for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score<br>|
| 409020283 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX40 | 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 of $XXX due to Credit report fees increased with no reason in file. Provide PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking information within XXX0 days of discovery. | 05/19/22 Client provided a XXX Post CD with cure, LOE, refund check and proof of shipment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been at current job for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score<br>|
| 409020283 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation. CU score XXX | 5.19.2022 Desk Review received value supported | 5.19.2022 exception satisfied. | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been at current job for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score<br>|
| 409020291 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXXexceeds the minimum score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the maximum DTI.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close assets $XXX or XXX monthsRequiredXXX x XXX =$XXX<br>|
| 409020295 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the XXX credit score requirement by XXX points.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower is only using XXX% of current available credit lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have over XXX years in profession.<br>|
| 409020304 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 & B2 has been in profession for XXX years & XXX years respectively<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years at current residence<br>|
| 409020304 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Zero tolerance in amount of XXX due to increased Appraisal fee on LE XXX. COC XXX in file does not indicate a reason why the fee was increased. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 03/1XXX/2022 Client provided COC XXX reflecting increase due to complex assignment: Out building, large acreage, distance of comps. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 & B2 has been in profession for XXX years & XXX years respectively<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years at current residence<br>|
| 409020309 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied | D<br> A | D<br> A | CMPMAN295XXX | Missing disclosure | No | Per disclosure tracking in file, LE's dated XXX and XXX show requested and received by borrowers, but are missing from the file. Provide the missing LE's dated XXX & XXX. Additional conditions may apply. | 0XXX/03/2022 Client provided missing LE's XXX and XXX with COC XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX or XXX months PITI<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Significant time at current residence of XXX years<br>CFCFS174XXX: Significant housing expense reduction<br> - xxx Comments: Significant housing expense reduction of $XXX per month.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession of XXX years<br>|
| 409020309 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC 2/2XXX-- New Information requires additional services--Provide details on COC as to what new information was present on XXX or provide refund of increased XXX% tolerance of $XXX for appraisal fee increase within XXX days of discovery with corrected CD, proof of delivery via shipping method including tracking information. | 0XXX/03/2022 Client provided updated COC XXX reflecting appraisal increase due to limited appraisers. Increase of quote for appraiser to complete assignment within requested timeframe. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX or XXX months PITI<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Significant time at current residence of XXX years<br>CFCFS174XXX: Significant housing expense reduction<br> - xxx Comments: Significant housing expense reduction of $XXX per month.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession of XXX years<br>|
| 409020309 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation | XXX.XXX.2022 Desk Review received value supported. | XXX.XXX.2022 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX or XXX months PITI<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Significant time at current residence of XXX years<br>CFCFS174XXX: Significant housing expense reduction<br> - xxx Comments: Significant housing expense reduction of $XXX per month.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession of XXX years<br>|
| 409020312 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | xxx status is Non QM due to fees of XXX% exceeding maximum of XXX% fees, with Lender QM status of Safe Harbor | XXX/23 Client provided the Bonafide discount point worksheet. | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years working in the same line of work.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years living in the same residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score.<br>|
| 409020312 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> A | CMPATRQM2904 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage. | No | xxx status is Non QM due to fees of XXX% exceeding maximum of XXX% fees, with Lender QM status of Safe Harbor Loan currently is not a QM loan due to fees exceeding XXX% | XXX/23 Client provided the Bonafide discount point worksheet. | Condition satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years working in the same line of work.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years living in the same residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score.<br>|
| 409020312 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Terms/Guidelines | Satisfied | D<br> A | D<br> A | CRDTER14XXX | Missing lender's loan approval/underwriting form | No | Missing XXX8 from the file | XXX.23.2022 Client provided lender XXX8 with DTI of XXX%; DU approved same DTI application date XXX; DTI under XXX% Jumbo Advantage | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years working in the same line of work.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years living in the same residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score.<br>|
| 409020312 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing 3 party CDA required | 07/22/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years working in the same line of work.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years living in the same residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score.<br>|
| 409020345 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrowers' DTI XXX%, required DTI XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 & B2 has been in profession for XXX years & XXX years respectively<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers' credit score XXX exceeds the required score of XXX.<br>|
| 409020348 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has over XXX years in current profession<br>|
| 409020359 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX for XXX years and XXX months..<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is less than XXX% of max<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>|
| 4090203XXX2 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD XXX. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The borrower has been in his profession for XXX years & XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow the credit score to be XXX .<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: The borrower is utilizing XXX% of the credit available to him.<br>|
| 4090203XXX2 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller paid fees on seller CD but not disclosed on page 2 of the Borrowers final CD. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The borrower has been in his profession for XXX years & XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow the credit score to be XXX .<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: The borrower is utilizing XXX% of the credit available to him.<br>|
| 4090203XXX2 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Assets | Satisfied | C<br> A | C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Provide additional assets to support the required XXX months PITIA reserves per Lender Guidelines. Verified reserves are XXX an additional $XXX is required. | 4.XXX.22 Additional assets docs were provided. The borrower documented $XXX in available liquid assets $XXX funds to close = $XXX Cash reserves =$XXX XXX - months PITIA reserves required by lender guidelines = $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The borrower has been in his profession for XXX years & XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow the credit score to be XXX .<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: The borrower is utilizing XXX% of the credit available to him.<br>|
| 409020373 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Per the insurance declaration, the effective date of XXX or XXX day after closing XXX. | 2.3.2022 Client provided LOX email from Servicing stating as of now (XXX) there is no notations of insurance claims on the loan servicing, however please reach out to the borrower or insurance company to confirm. Response, condition remains for HOI policy with effective date of at least XXX in order to keep as A Grade. 3.10.2022 Client provided LOX from borrower stating that we have not had any losses or events at the subject property that might give rise to a claim under the insurance policy from the date of XXX - XXX ; Response, condition remains for HOI policy with effective date of at least XXX3/17 Client provided an LOX from the Insurance agent confirming No looses on the policy from XXX-XXX; Evidence of insurance in file effective XXX | Condition satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%MAX LTV XXX%<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: calculated DTI XXX%max DTI XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession of XXX years and XXX months<br>|
| 409020374 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | Per xxx's review, the Points and Fees are above the Threshold placing this loan in a riskier status. RP APOR | 3/1XXX xxx determination is Rebuttable presumption; provide the Lender updated determination of RP APOR. 03/24/2022 Client provided loan is Rebuttable Presumption. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years of significant time in profession.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX years of significant time at current residence.<br>|
| 409020374 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A<br> C | Compliance | RESPA | Satisfied | B<br> A | B<br> A | CMPRESPA8XXX3 | RESPA: Required Affiliate Business Disclosure missing | No | Affiliate Business Disclosure is not in file and there is no documentation in file to reflect who the lender affiliates are. | 02/1XXX/2022 Client provided email LOE that Lender did not have an Affiliated Business Arrangement with any parties on this transaction, so there is not a disclosure to provide. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years of significant time in profession.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX years of significant time at current residence.<br>|
| 409020374 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years of significant time in profession.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX years of significant time at current residence.<br>|
| 409020374 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years of significant time in profession.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX years of significant time at current residence.<br>|
| 409020374 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID39XXXXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | On the final CD neither of the boxes are checked to reflect why there is no escrow account. cure: LOX and post-consummation CD within XXX days of consummation. 130(b) or (c) cure available thereafter with client consent within XXX XXX days of discovery. | 12/10/2021 Client provided PCCD XXX with correction with LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years of significant time in profession.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX years of significant time at current residence.<br>|
| 409020374 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A<br> C | Credit | Assets | Satisfied | D<br> A | D<br> A | CRDAST2XXX70 | Asset documentation is insufficient per guideline requirements | No | Provide proof of receipt of the $XXX in gift funds. | 1.20.2022 Client provided copy of wire transfer receipt in the amount of $XXX received from XXX however gift letter in file reflects $XXX given, it appears cash to close amount is $XXX and gift given was $XXX vs $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years of significant time in profession.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX years of significant time at current residence.<br>|
| 409020378 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The borrower has been with the current employer for XXX years<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: The mortgage payment history reflects 0x30 in XXX months<br>|
| 409020379 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. | (No Data) | . This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI = XXX below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score = XXX exceeds guideline requirements.<br>|
| 409020379 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Assets | Satisfied | C<br> A | C<br> A | CRDAST205 | Insufficient Funds to Close | No | Missing Source of funds for cash to close. | 3.21.2022 Client provided XXX months asset statements for XXX #XXX, 401k along with terms and XXX #XXX and XXX #XXX short XXX days to cover full XXX months; sufficient funds to close met. This condition is satisfied, separate condition added due to missing full XXX months history for XXX #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI = XXX below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score = XXX exceeds guideline requirements.<br>|
| 409020379 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Assets | Satisfied | C<br> A | C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | The file is short required XXX months reserves=$XXX | 3.21.2022 Client provided XXX months asset statements for XXX #XXX, 401k along with terms and XXX#XXX and XXX#XXX short XXX days to cover full XXX months; sufficient funds to close met. This condition is satisfied, separate condition added due to missing full XXX months history for XXX#XXX; verified reserves are $XXX or XXX months | Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI = XXX below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score = XXX exceeds guideline requirements.<br>|
| 409020379 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Assets | Waived | D<br> B | D<br> B | CRDAST2XXX70 | Asset documentation is insufficient per guideline requirements | No | 3.21.2022 Client provided XXX months asset statements for XXX #XXX, 401k along with terms and XXX #XXX and XXX short XXX days to cover full XXX months. xxx XXX #XXX bank statement to cover the required XXX months. Currently have XXX statement along with current print out through XXX (Note/disbursement date XXX) | 8/25/2025 client provided an approved exception. | Upon further review by senior underwriter exception is deemed non-material due to having the latest asset statement. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI = XXX below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score = XXX exceeds guideline requirements.<br>|
| 409020379 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied | C<br> A | C<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing VVOE. | 3.21.2022 Client provided VVOE dated XXXand XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI = XXX below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score = XXX exceeds guideline requirements.<br>|
| 409020379 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPRXXX5 | Completed "Subject To" w/o Completion Cert in File | No | Missing Completion Certificate. | 12/22 client provided a XXX4D showing all items are completed | Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI = XXX below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score = XXX exceeds guideline requirements.<br>|
| 409020379 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | The file is missing a CDA to support the appraised value, CU Score is XXX | 12/29/2021 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI = XXX below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score = XXX exceeds guideline requirements.<br>|
| 409020409 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Compliance Manual | Satisfied | D<br> A | D<br> A | CMPMAN295XXX | Missing disclosure | No | Missing page 1 and 2 of LE sign dated XXX | 07/0XXX/2022 Client provided duplicate Pages of LE 1&2 of LE dated XXX in file. Supported by Disclosure tracking in file reflecting LE XXX1 the only LE Disclosed. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the maximum DTI.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceed the minimum score.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Significant time at the current residence of over XXX YRS<br>|
| 409020409 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the maximum DTI.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceed the minimum score.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Significant time at the current residence of over XXX YRS<br>|
| 409020409 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied | C<br> A | C<br> A | PRVAAPPR4789 | Appraisal Deficiency | No | Appraisal pdf incomplete, missing bottom page scanned as letter size; legal size document, missing data | 7/7 Client provided a complete copy of the appraisal | Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the maximum DTI.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceed the minimum score.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Significant time at the current residence of over XXX YRS<br>|
| 409020422 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Zero percent tolerance fee of $XXX for increase in Appraisal fee. Change of circumstance letter dated XXX had no reason stated for the increase since sales price had not changed from earlier disclosure. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/04/22 Client provided a XXX Post CD with cure, LOE, refund check and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's credit score XXX exceeds the required score of XXX<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years at current residence<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Borrower's DTI of XXX% is below the maximum DTI.<br>|
| 409020423 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not in section H of borrower Final CD. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: XXX yrs vs XXX yrs<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX yrs vs XXX yrs<br>|
| 409020423 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | The Zero tolerance testing failed by $XXX due to the Reinspection Fee was added on CD XXX. The COC's in file do not reflect valid Reasons/Explanations for why the fee was increased. Provide COC for review, or provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information. | 0XXX/22/2022 Client provided COC 5/2XXX reflecting Reinspection fee added for construction was not XXX% complete when inspected. Need to make sure all rooms are complete and everything working properly, supported by subject to XXX4 in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: XXX yrs vs XXX yrs<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX yrs vs XXX yrs<br>|
| 409020423 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | CU SCORE XXX missing Desk review to support value | 0XXX/24/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: XXX yrs vs XXX yrs<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX yrs vs XXX yrs<br>|
| 409020424 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrowers has XXX years of significant time at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score exceeds guidelines by XXX points or more .<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower XXX has XXX years and XXX months of significant time in profession.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below guideline maximum DTI.<br>|
| 409020424 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC XXX -"NEW INFORMATION REQUIRES ADDITIONAL SERVICES" & "Information Relied on Becomes Inaccurate "Provide details on COCs what new information was present & became inaccurate on XXX or provide refund of increased XXX within XXX0 days of consummation and proof of delivery via shipping method that includes tracking information. Appraisal fee Increase of $XXX Total Above Tolerance. | 04/0XXX/2022 Client provided COC XXX reflecting Occupancy change from Owner Occupied to 2nd Home causing repricing with LOA reflecting COC was created and uploaded on XXX. Also provided COC XXX reflecting Borrower chose to have Survey completed and used their own provider. Condition remains. Provide LOA for COC XXX and a Valid reason for the Appraiser to increase their report fee on XXX. 04/07/22 Client provided a revised XXX COC that explains the Appraisal fee increase due to property located on the tip of XXX and limited on appraisers for this location to accurately describe the subject property in a timely manner. Also provided, the LOA for the XXX COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrowers has XXX years of significant time at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score exceeds guidelines by XXX points or more .<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower XXX has XXX years and XXX months of significant time in profession.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below guideline maximum DTI.<br>|
| 409020424 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | HOI coverage is $XXX, there is not cost to rebuild or GRC listed.. Less than XXX% of the loan amount.. | 4.XXX.2022 Client provided HOI policy stating All dwelling claims are settle on replacement cost basis up to the policy coverage limit however still missing the HOI estimated replacement cost coverage to support coverage of $XXX is sufficient for replacement cost 4/2XXX Upon review by xxx XXX the condition is satisfied as the subject is located in XXXX and per state law the RCE is not required to be provided. | Condition satisfied. | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrowers has XXX years of significant time at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score exceeds guidelines by XXX points or more .<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower XXX has XXX years and XXX months of significant time in profession.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below guideline maximum DTI.<br>|
| 409020424 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation.. | 12/XXX/2021 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrowers has XXX years of significant time at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score exceeds guidelines by XXX points or more .<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower XXX has XXX years and XXX months of significant time in profession.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below guideline maximum DTI.<br>|
| 409020425 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC - XXX-Information Relied on Becomes Inaccurate Provide details on COCs what information became Inaccurate on XXX or provide refund of increased XXX% tolerance fee of $XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information. Appraisal fee Increase of $XXX Total Above Tolerance | 03/08/2022-Client provided refund of increased XXX% tolerance fee of $XXX via Check, proof of delivery that included shipping method, LOX to borrower and Closing Disclosure XXX | 03/09/2022-Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score is XXX of the required XXX.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Per eligibility matrix max DTI is XXX%.The Loan closed with a DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $ XXX Verified cash reserves exceed guidelines of $ XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in profession.<br>|
| 409020425 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing CDA to support original appraised value. | 03/09/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score is XXX of the required XXX.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Per eligibility matrix max DTI is XXX%.The Loan closed with a DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $ XXX Verified cash reserves exceed guidelines of $ XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in profession.<br>|
| 40902042XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | Provide discount point calculation as the total fees exceed XXX% | (No Data) | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The borrower has been with the current employer for XXX years XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower documented $XXX in available liquid, retirement, and net equity assets. The settlement statement from the sale of XXX reflects $XXX transferred to purchase closing and $XXX to the borrower = $XXX. $XXX - $XXX funds to close = $XXX - $XXX require reserves per the DU Findings - $XXX XXX-months PITI reserves per Lender guidelines = $XXX remaining assets/$XXX PITI = XXX additional months reserves on the subject.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow the credit score to be XXX.<br>|
| 40902042XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> A | CMPATRQM2904 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage. | No | The fees exceed XXX% and no discount point or compliance report was found in the file. | (No Data) | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The borrower has been with the current employer for XXX years XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower documented $XXX in available liquid, retirement, and net equity assets. The settlement statement from the sale of XXX reflects $XXX transferred to purchase closing and $XXX to the borrower = $XXX. $XXX - $XXX funds to close = $XXX - $XXX require reserves per the DU Findings - $XXX XXX-months PITI reserves per Lender guidelines = $XXX remaining assets/$XXX PITI = XXX additional months reserves on the subject.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow the credit score to be XXX.<br>|
| 40902042XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B<br> C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | B<br> A | B<br> A | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon xxx's review | No | Provide the discount point calculation and compliance report as the fees exceed XXX%. | (No Data) | Satisfied | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The borrower has been with the current employer for XXX years XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower documented $XXX in available liquid, retirement, and net equity assets. The settlement statement from the sale of XXX reflects $XXX transferred to purchase closing and $XXX to the borrower = $XXX. $XXX - $XXX funds to close = $XXX - $XXX require reserves per the DU Findings - $XXX XXX-months PITI reserves per Lender guidelines = $XXX remaining assets/$XXX PITI = XXX additional months reserves on the subject.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow the credit score to be XXX.<br>|
| 40902042XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Provide a 3rd party review appraisal. | 04/19/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The borrower has been with the current employer for XXX years XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower documented $XXX in available liquid, retirement, and net equity assets. The settlement statement from the sale of XXX reflects $XXX transferred to purchase closing and $XXX to the borrower = $XXX. $XXX - $XXX funds to close = $XXX - $XXX require reserves per the DU Findings - $XXX XXX-months PITI reserves per Lender guidelines = $XXX remaining assets/$XXX PITI = XXX additional months reserves on the subject.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow the credit score to be XXX.<br>|
| 4090204XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | DTI | Waived | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DTI of XXX% is above the maximum DTI. | 8/25/2025 client provided an approved exception. | Initial and final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years in same line of work.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co Borrower has XXX years on job.<br>|
| 409020429 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees are listed on Seller CD, however fees are missing from the Borrowers Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow a credit score of XXX<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrowers have occupied the primary residence for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available liquid assets - $XXX funds to close = $XXX liquid assets remain - $XXX required reserves per DU Findings = $XXX remaining assets - $XXX reserves on XXX<br>|
| 409020429 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC XXX --New Information requires additional services--Provide details on COC as to what new information was present on XXX or provide refund of increased XXX within XXX0 days of discovery and proof of delivery via shipping method including tracking information. Appraisal fee increase of XXX total | 04/01/22 Client provided an updated XXX COC stating the Appraisal fee increased because they received a higher quote from the appraiser on XXX. Condition remains. The COC does not provide a valid explanation why the appraiser increased the fee. Provide further details for review, and due to the fact that the COC was provided to us after the fact, and over XXX days, provide attestation from Lender that the COC was documented prior to Consummation. Additional conditions may apply.04/0XXX/22 Client provided a revised XXX COC with additional details and a signed LOA from lender certifying the COC was created and uploaded on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow a credit score of XXX<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrowers have occupied the primary residence for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available liquid assets - $XXX funds to close = $XXX liquid assets remain - $XXX required reserves per DU Findings = $XXX remaining assets - $XXX reserves on XXX<br>|
| 409020429 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Assets | Satisfied | D<br> A | D<br> A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Provide documented evidence that the XXX report dated XXX reflecting XXX is not one of the other savings accounts XXX as it is possible the assets were counted twice and a undocumented large deposit was made into one of the fully documented accounts $XXX | 3.22.2022 No document found, please re-send for review.3.24.2022 Client provided copy of Mini-statement w/XXX showing this is a separate account that goes with the XXX report dated XXX (in file pg. XXX2) with balance of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The middle credit score is XXX and guidelines allow a credit score of XXX<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrowers have occupied the primary residence for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available liquid assets - $XXX funds to close = $XXX liquid assets remain - $XXX required reserves per DU Findings = $XXX remaining assets - $XXX reserves on XXX<br>|
| 409020430 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | Violates hpml cost. 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 of qm rebuttable presumption. | 5/3 Client provided a discount rate calculation; Upon review, condition remains xxx calculation is RP APOR5.11.22 Lender agrees that loan is QM: rebuttal presumption | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the maximum DTI.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Co Borrower has been XXX for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage history is 0x30 for XXX months reviewed.<br>|
| 409020430 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD dated XXX. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the maximum DTI.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Co Borrower has been XXX for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage history is 0x30 for XXX months reviewed.<br>|
| 409020430 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the maximum DTI.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Co Borrower has been XXX for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage history is 0x30 for XXX months reviewed.<br>|
| 409020431 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been XXX for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX fico exceeds XXX mid score<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below max of XXX%<br>|
| 409020431 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation cu score 3.8 | 05/13/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been XXX for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX fico exceeds XXX mid score<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below max of XXX%<br>|
| 409020432 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at job for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Co-borrower has been a software engineer for XXX years.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX % is below max of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>|
| 409020433 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Zero Tolerance of $XXX due to increase of Appraisal fee on LE XXX with no valid reason on COC. Provide valid reason the appraiser to increase their report fee or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. | 0XXX/22/2022 Client provided COC XXX reflecting appraisal increase due to Unique/Custom property, custom lake view home with more than XXX SF, XXX Beds, private pool...TT Longer. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves is $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceed minimum score of XXX<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years and XXX months..<br>|
| 409020433 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation.. | 0XXX/24/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves is $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceed minimum score of XXX<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years and XXX months..<br>|
| 409020435 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. | (No Data) | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrowers have occupied the primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been with the current employer for XXX years XXX months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has been with the current employer for XXX years XXX months.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been an XXX for XXX years and B2 has been a XXX for XXX years.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: B2 documented self-employment income by providing 2021, 2020 & 2019 1099-Misc and the 2020 & 2019 personal tax returns. However, this income was not used to qualify for the mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available liquid assets - $XXX for funds to close - $XXX required reserves per the DU Findings = $XXX remaining assets<br>|
| 409020435 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Zero tolerance in amount of $XXX due to increased of Appraisal by $XXX and added Inspection fee of $XXX with no valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/22/2022 Client provided COC XXX reflecting increase to appraisal fee due to reached out to 20 appraisers up to XXX4 miles away in order to get the order assigned as quickly as possible. Complex property, New construction with lake views. Limited appraisers - best quote received and COC XXX reflecting addition of inspection fee due to Property still under construction at the time of initial inspection, Re-inspection required to complete assignment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrowers have occupied the primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been with the current employer for XXX years XXX months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has been with the current employer for XXX years XXX months.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been an XXX for XXX years and B2 has been a XXX for XXX years.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: B2 documented self-employment income by providing 2021, 2020 & 2019 1099-Misc and the 2020 & 2019 personal tax returns. However, this income was not used to qualify for the mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available liquid assets - $XXX for funds to close - $XXX required reserves per the DU Findings = $XXX remaining assets<br>|
| 409020435 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Assets | Satisfied | C<br> A | C<br> A | CRDAST303XXX | Assets reflect unsourced deposits | No | Provide 3rd party documentation for the source of the $XXX deposit into XXX account #: XXX on XXX. | 5.4.2022 Client provided copy of earnings statement paystub showing the net deposit of $XXX was from a MIP bonus | Condition satisfied | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrowers have occupied the primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been with the current employer for XXX years XXX months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has been with the current employer for XXX years XXX months.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been an XXX for XXX years and B2 has been a XXX for XXX years.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: B2 documented self-employment income by providing 2021, 2020 & 2019 1099-Misc and the 2020 & 2019 personal tax returns. However, this income was not used to qualify for the mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available liquid assets - $XXX for funds to close - $XXX required reserves per the DU Findings = $XXX remaining assets<br>|
| 409020435 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Credit/Mtg History | Satisfied | C<br> A | C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide 3rd party documentation to support the homeowners' insurance and any HOA dues payable on the XXX and XXX Or provide copies of the mortgage statements reflecting that taxes and insurance escrow deposits are included in the payments. | 4.18.2022 Client provided copy of MTG statements verifying PITIA payment (taxes/insurance included) for both properties: XXX ($XXX) and XXX ($XXX) as stated on the XXX3 | Condition satisfied | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrowers have occupied the primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been with the current employer for XXX years XXX months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has been with the current employer for XXX years XXX months.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been an XXX for XXX years and B2 has been a XXX for XXX years.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: B2 documented self-employment income by providing 2021, 2020 & 2019 1099-Misc and the 2020 & 2019 personal tax returns. However, this income was not used to qualify for the mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available liquid assets - $XXX for funds to close - $XXX required reserves per the DU Findings = $XXX remaining assets<br>|
| 40902043XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | CU Score = 2.9Provide missing updated valuation Value not yet supported May be subject to additional conditions upon review | 05/04/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years XXX months at current job.<br>|
| 409020437 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> A<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | Provide lender determination of QM RP | XXX.14.2022 Client provided LOX stating agrees with QM Rebuttable Presumption | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA AUS Guidelines Reserves Required = $ XXX<br>|
| 409020437 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX40 | 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 amount of $XXX for increase to Appraisal fee on CD XXX Final CD of $XXX and addition of Re-inspection fee of $XXX on LE XXX with increase to $XXX again on CD XXX. Lender Credit cure on final CD of $XXX applied with remaining amount of Tolerance $XXX. Provide valid reason for Appraiser to increase their report fee and for increase to Re-inspection fee or PCCD with $XXX cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information. | 0XXX/14/2022 Client provided rebuttal via Collaborate "The increases in the Appraisal Fees and Reinspection Fees are invalid. From CD XXX to CD XXX the Reinspection Fee increased $XXX and the Appraisal Fee increased $XXX which is why a $XXX lender credit was included on CD XXX. No refund/COCs required because lender credit was provided". Condition remains. Addition of Original Re-inspection fee is missing a valid reason on either COC in file dated XXX. Retesting results in Zero tolerance amount of $XXX. Provide a valid reason for the addition of the Re-Inspection fee added on LE XXX or PCCD with $XXX additional cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information. 0XXX/14/2022 Client Provided COC XXX reflecting addition of Re-inspection fee due to Appraisal made subject to completion per plans and specs. Completion Report XXX4D required. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA AUS Guidelines Reserves Required = $ XXX<br>|
| 409020437 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation | 0XXX/10/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA AUS Guidelines Reserves Required = $ XXX<br>|
| 409020438 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Provide details on COCs what new information was present on XXX or provide refund of increased XXX% tolerance fee of $XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information.Re-Inspection fee Increase of $XXX Total Above Tolerance. | 05/03/2022 Client provided COC XXX reflecting increase to Appraisal fee due to Property only XXX% complete at initial inspection of property, XXX4D in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX.<br>CFCFS28XXX0: Good credit history<br> - xxx Comments: 0 x 30 for the past XXX months.<br>|
| 409020438 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX7XXX | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation. | No | COC XXX-"NEW INFORMATION REQUIRES ADDITIONAL SERVICES" Provide details on COCs what new information was present on XXX or provide refund of increased XXX% tolerance fee of $XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information. Recording fee Increase of $XXX Total Above Tolerance. | 05/03/2022 Client provided COC XXX reflecting increase due to Initial Settlement Statement with recording figures from Settlement agent, no valid reason listed. Client also provided Funding CD XXX reflecting Borrower charged lower amount for recording and Final Settlement Statement matching Funding CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX.<br>CFCFS28XXX0: Good credit history<br> - xxx Comments: 0 x 30 for the past XXX months.<br>|
| 409020438 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Title | Satisfied | D<br> A | D<br> A | CRDTIL79XXX | Missing Title | No | Title in file is not legible. | 4.22.2022 Client provided subject Title Commitment dated XXX with Note date of XXX (Title is over XXX months old), provide more recent current Title Commitment 5.3.2022 Client provided subject Title commitment dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX.<br>CFCFS28XXX0: Good credit history<br> - xxx Comments: 0 x 30 for the past XXX months.<br>|
| 409020438 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPRXXX5 | Completed "Subject To" w/o Completion Cert in File | No | Missing Appraisal Completion Report | 4.22.2022 Client provided subject XXX4D completion report along with interior/exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX.<br>CFCFS28XXX0: Good credit history<br> - xxx Comments: 0 x 30 for the past XXX months.<br>|
| 409020439 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | xxx's determination status places the loan in a riskier status than the Lenders determination status. | 5/2XXX Client provided a determination of RP APOR | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below lender's guide line maximum DTI.<br>|
| 409020439 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD dated XXX. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below lender's guide line maximum DTI.<br>|
| 409020439 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below lender's guide line maximum DTI.<br>|
| 409020XXX1 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has been at primary residence for XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Co-borrower has been in profession as a director for XXX years<br>|
| 409020XXX1 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Zero tolerance in amount of $XXX due to increased Tax Stamps with no valid reason. Loan amount nor sales price have increased and COC dated XXX found in file doesn't state a reason why fee was increased. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 04/20/22 Client provided a XXX Post CD with cure, LOE, refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has been at primary residence for XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Co-borrower has been in profession as a director for XXX years<br>|
| 409020XXX1 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | DTI | Satisfied | D<br> A | D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of some or all components of non-subject PITI for XXX; and for XXX | 4.18.2022 Client provided duplicate (in file pg. 405, 414) property profile verifying both properties: XXX in B1 parents name. Properties reflected in XXX and our borrower is XXX; our borrower is a XXX . and father is XXX. (same name), LOX provided from borrower these properties in his father name. | Condition satisfied | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has been at primary residence for XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Co-borrower has been in profession as a director for XXX years<br>|
| 409020XXX1 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation supporting $XXX value | 04/19/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has been at primary residence for XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Co-borrower has been in profession as a director for XXX years<br>|
| 409020XXX2 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | Please provide the Lender's QM RP determination. | 5.3.2022 Client provided Compliance Ease report however still missing Lender QM Rebuttable Presumption status. Condition remains 5.1XXX.22 Client agreed to QM:RP status | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX%<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA AUS Guidelines Reserves Required = $ XXX<br>|
| 409020XXX2 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX%<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA AUS Guidelines Reserves Required = $ XXX<br>|
| 409020XXX3 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Zero % tolerance of $XXX due to Appraisal fee and Transfer Taxes increased on XXX with no valid reason in file. Provide PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking information within XXX days of consummation. Appraisal Fee Increase of $XXX Total Above Tolerance Transfer Tax Increase of $XXX Total Above Tolerance | 04/18/2022 Client provided COC XXX reflecting increase for appraisal fee due to Rush report, Large lot size 14985 SF, limited appraiser in the area. Retesting results in Zero tolerance of $XXX due to increase of Transfer taxes on XXX from XXX to XXX . COC XXX received does not give a valid reason and the amount of increase is incorrect based on Changes on the CD. Provide a valid reason for this fee to increase or PCCD with $XXX cure, copy of cure check, LOE to Borrower and evidence of shipment. 04/22/2022 Client provided PCCD XXX with cure, copy of cure check, LOE and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum credit score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX or XXX months PITIA; per guidelines reserves of $XXX funds are required to be verified.<br>|
| 409020XXX4 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation to support appraised value | 0XXX/0XXX/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on current job since XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXX Reserves required per AUS: $XXXMonths PITI reserves (Qual Rate): XXX month<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below guideline maximum DTI.<br>|
| 409020XXX5 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | Provide the discount point calculation sheet as the fee exceed XXX% making the loan Non-QM. | 4/28 Client provided their QM Excludable Bona Fide Discount Point Calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrowers have occupied the primary residence for XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been with employer for XXX years XXX months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has been with the current employer XXX years XX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available liquid assets - $XXX for funds to close - $XXX required reserves per the DU Findings = $XXX remaining/$XXX [$XXX PITI subject + $XXX PITI Primary] = XXX additional months reserves for both properties.<br>|
| 409020XXX5 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> A | CMPATRQM2904 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage. | No | Provide the discount point calculation sheet as the fee exceed XXX% making the loan Non-QM. | 4/28 Client provided their QM Excludable Bona Fide Discount Point Calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrowers have occupied the primary residence for XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been with employer for XXX years XXX months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has been with the current employer XXX years XX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available liquid assets - $XXX for funds to close - $XXX required reserves per the DU Findings = $XXX remaining/$XXX [$XXX PITI subject + $XXX PITI Primary] = XXX additional months reserves for both properties.<br>|
| 409020XXX5 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Income/Employment | Satisfied | D<br> A | D<br> A | CRDINC3204 | Income Documentation Missing | No | Provide the Income document date XXX used to calculate B1's income and the document dated XXX used to calculate B2's income. There is a difference of $XXX in calculated income. | 5.10.2022 Client provided the Written VOE (VOI) for both borrowers dated XXX and XXX per the DU #XXX and file have a copy of lender income worksheet (pg. 313/314) with calculation of borrowers income that was used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrowers have occupied the primary residence for XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been with employer for XXX years XXX months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has been with the current employer XXX years XX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available liquid assets - $XXX for funds to close - $XXX required reserves per the DU Findings = $XXX remaining/$XXX [$XXX PITI subject + $XXX PITI Primary] = XXX additional months reserves for both properties.<br>|
| 409020XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not in section H of borrower Final CD. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on job for XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co Borrower has been on job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below guideline maximum DTI.<br>|
| 409020XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC XXX -- New Information Requires Additional Services. Provide details on COC as to what new information was present on XXX or provide refund of increased XXX% tolerance fee of $XXX , corrected CD, LOX to borrower within XXX days of discovery with proof of delivery via shipping method including tracking information. Appraisal fee of $XXX total. | 04/19/2022 Client provided COC XXX reflecting increase due to Limited appraiser in the area. Appraisal done as rush. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on job for XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co Borrower has been on job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below guideline maximum DTI.<br>|
| 409020XXX7 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. . | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXXAvailable Reserve: $XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 030 for XXX+ months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked XXX+ years at current job<br>|
| 409020XXX7 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC XXX-"NEW INFORMATION REQUIRES ADDITIONAL SERVICES" Provide details on COCs what new information was present on XXX or provide refund of increased XXX% tolerance fee of $XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information. Survey fee Increase of $XXX Total Above Tolerance Zero tolerance of $XXX due to Appraisal fee increased with no invalid reason in file. Provide PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking information within XXX0 days of consummation.(Appraisal fee is not dictated by loan amount.)\*\*\*\*XXX: Total zero tolerance of $XXX. XXX for Survey fee added to section B on CD XXX and Appraisal fee increased from $XXX tp $XXX on LE XXXX. COC's are missing valid reasons for these addition/increase. Provide valid reasons or PCCD with $XXX cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information. | 05/03/2022 Client provided PCCD XXX with cure, copy of cure check, LOE and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXXAvailable Reserve: $XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 030 for XXX+ months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked XXX+ years at current job<br>|
| 409020XXX8 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | xxx's status determination places loan in a riskier status than the Lender's status determination.xxx's status is QM: Rebuttable presumption. Lenders tape data reflects Safe Harbor. Lender to provide QM RP determination | 5.12.2022 Client provided lender QM Rebuttable Presumption status | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves is $XXX<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers' credit score XXX exceeds the required score of XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in profession for XXX years.<br>|
| 409020XXX8 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC-XXX-"New Information Requires Additional Services" Provide details on COC what new information requires additional services on XXX or provide refund of increased 0% tolerance fee of $XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information. Discount Points Increase of $XXX Total Above Tolerance | 04/2XXX/22 Client provided a detailed XXX COC stating the borrower requested a Loan Amount increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves is $XXX<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: XXX years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers' credit score XXX exceeds the required score of XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in profession for XXX years.<br>|
| 409020XXX9 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | xxx's status determination places loan in a riskier status than the Lender's status determination as QM: Rebuttable Presumption (APOR). Please submit Lender's QM RP determination. | 4.22.22 Client agreed to QM:RP | Condition satisfied | (No Data) | Not Applicable | CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower is only using XXX% of current available credit lines.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the XXX credit score requirement by 1XXX4 points.<br>|
| 409020XXX9 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> A | Credit | Title | Satisfied | C<br> A | C<br> A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title Does Not Agree With Mortgage: Title is showing XXX, a married man XXX, a married woman, as tenants by the entirety but the Mortgage is showing as XXX, a married man. | 4.XXX.2022 Client provided title commitment dated XXX with vesting matching Mortgage Deed of Trust: XXX, a married man | Condition satisfied | (No Data) | Not Applicable | CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: Borrower is only using XXX% of current available credit lines.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the XXX credit score requirement by 1XXX4 points.<br>|
| 409020450 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPRXXX5 | Completed "Subject To" w/o Completion Cert in File | No | Missing XXX4D or updated appraisal in file. Lender to provide documentation subject further review. | 7.11.2022 Client provided subject XXX4D completion report along with interior/exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXXReserves required per AUS: $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds the minimum score.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on current job since XXX.<br>|
| 409020451 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid Fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below max of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX fico exceeds XXX mid score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close cash reserves $XXX exceed guideline reserves of $XXX<br>|
| 409020452 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Zero tolerance in amount of $XXX due to added Inspection fee on CD XXX with no valid COC in file. COC dated XXX in file doesn't state a reason why fee was added. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/22/2022 Client provided COC XXX reflecting addition of inspection fee due to Initial appraisal report "subject to" repairs and improvements. XXX4D needed for re-inspection of complete repairs. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrower has occupied the primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The borrower has been with the current employer for XXX years XXX month.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: The LTV is XXX% and guidelines allow the LTV to be XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower documented $XXX in available liquid assets - $XXX for funds to close = $XXX remaining assets/$XXX PITIA payment = XXX months PITIA reserves on the subject and the LP Findings did not require any reserves.<br>|
| 409020452 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Assets | Satisfied | C<br> A | C<br> A | CRDAST303XXX | Assets reflect unsourced deposits | No | Provide bank statements for account #: XXX from which $XXX was transferred to account #: XXX on XXX and account #: XXX from which $XXX was deposited into account #: XXX on XXX Or provided full executed Gift letters. | 4.29.2022 Client provided XXX #XXX bank statements showing there was a large deposit of $XXX from employer deposit on XXX; condition remains to document with copy of paystub, etc. to show the source (bonus, etc.) of this large deposit of $XXX coming from employer. 5.3.2022 Client provided evidence from employer regarding 2021 bonus of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrower has occupied the primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The borrower has been with the current employer for XXX years XXX month.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: The LTV is XXX% and guidelines allow the LTV to be XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower documented $XXX in available liquid assets - $XXX for funds to close = $XXX remaining assets/$XXX PITIA payment = XXX months PITIA reserves on the subject and the LP Findings did not require any reserves.<br>|
| 409020454 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years and XXX months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds XXX fico<br>|
| 409020455 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. . | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score is XXX.<br>|
| 40902045XXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | Lender to provide the QM APR testing | 4/XXX Client provided a MAVENT report; missing Lenders status determination5.13.2022 Client provided LOX in Collaborate stating agree with QM Rebuttable Presumption | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close assets are $XXX or XXX months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score = XXX exceeds guideline requirements.<br>|
| 40902045XXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A | Compliance | Compliance Manual | Satisfied | D<br> A | D<br> A | CMPMAN295XXX | Missing disclosure | No | Missing page 3 of final CD dated XXX. Condition is pending receiving complete final CD | 04/25/2022 Client provide all pages of executed Final CD XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close assets are $XXX or XXX months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score = XXX exceeds guideline requirements.<br>|
| 40902045XXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A | Compliance | RESPA | Waived | B | B | CMPRESPA8XXX3 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure missing in file | 8/25/2025 client provided an approved exception. | Initial and final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close assets are $XXX or XXX months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score = XXX exceeds guideline requirements.<br>|
| 409020457 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked XXX+ years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS52XXX9: Minimal use of credit<br> - xxx Comments: B1 has only made use of XXX% of an available $XXX in open credit line<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0x30 for XXX+ months<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below guideline maximum DTI.<br>|
| 409020458 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer for XXX years.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years and XXX month..<br>|
| 409020529 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Provide details on COCs what new information was present on XXX or provide refund of increased XXX% tolerance fee of $XXX within XXX days of discovery and proof of delivery via shipping method that includes tracking information. Appraisal fee Increase of $XXX Total Above Tolerance. | 05/12/2022 Client provided COC XXX reflecting increase due to property considered in a rural market area making it hard to find an Appraiser. $XXX was the best quote available. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrower has been at residence for XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at job for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 807 Fico exceeds XXX mid score<br>|
| 409020537 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC XXX - Information Relied on Becomes Inaccurate Provide details on COCs what information became Inaccurate on XXX or provide refund of increased 0% tolerance fee of $XXX within XXX days of discovery and proof of delivery via shipping method that includes tracking information. Credit report fee Increase of $XXX Total Above Tolerance. | 05/31/2022 Client provided COC XX reflecting increase due to Broker loan submitted to Lender for review, secondary access to credit report required, which requires additional fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years..<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower has been at current job for XXX years.<br>|
| 409020537 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation.. | 0XXX/03/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline minimum score.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years..<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower has been at current job for XXX years.<br>|
| 409020540 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3XXX18 | 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 CD. | 11/09/2021 Client provided Disclosure tracking along with all Disclosures provided including missing Initial CD XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is less than required of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is less than required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX months PITI<br>|
| 409020540 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3XXX2XXX | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD | 11/09/2021 Client provided Disclosure tracking along with all Disclosures provided including missing Initial CD XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is less than required of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is less than required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX months PITI<br>|
| 409020540 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A<br> B | A<br> B | CMPTRID3XXX7XXX | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation. | No | 11/09/2021 review of Documents provided. 10% tolerance of $XXX due to increase of recording Fee on CD XXX. COC in file does not reflect a valid reason for increase of fee after initial Disclosure. Provide COC reflecting valid reason or PCCD with Cure, Copy of Cure check, LOE and evidence of delivery via method including tracking information. | 11/30/2021 Client provided PCCD XXX with cure, copy of cure check, LOE and Shipping label for delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is less than required of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is less than required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX months PITI<br>|
| 409020540 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D<br> A | D<br> A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide Initial Closing Disclosure received at least 3 business days prior to XXX. Additional conditions may apply.(Provide all CDs issued that are not the final CD.) | 11/09/2021 Client provided Disclosure tracking along with all Disclosures provided including missing LE XXX with corresponding COC's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is less than required of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is less than required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX months PITI<br>|
| 409020540 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | N/A | N/A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | XXX \*New condition due to client's providing initial LE and re-testing initial LE fees\*Zero tolerance in amount of $XXX due to increased Broker's fee from $XXX on initial LE to $XXX on final CD with no COC in file to support it. The lender is bound to the broker's LE and their fees. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/23/2021 Client provided rebuttal stating This is not our LE as it even shows XXX on the top and its not Locked. Borrower locked with XXX, you have all copies of LE/CD in the investor package. Retesting after removing LE XXX results in no violation. Per review by Internal Compliance counsel: Agree. Base on the scenario provided and loan ID#'s not the same on Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is less than required of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is less than required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX months PITI<br>|
| 409020540 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied | D<br> A | D<br> A | CRDINC2302 | Missing Required Income Documentation | No | Missing tax returns, transcripts, P\*L etc... | 11/12 Client provided 2020 1040 with schedule C, YTD 2021 P&L, and 2019/2020 Transcripts; The business was not operating in 2019; However guidelines still require 2 years 1040s; Provide the 2019 signed dated 10401/12/22 Client provided the 2019 returns. | Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is less than required of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is less than required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX months PITI<br>|
| 409020540 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied | D<br> A | D<br> A | CRDINC3204 | Income Documentation Missing | No | Borrower XXX missing Full Tax returns, Transcripts, etc... | 11/12 Client provided 2020 1040 with schedule C, YTD 2021 P&L, and 2019/2020 Transcripts; The business was not operating in 2019, Income validated; However guidelines still require 2 years 1040s; Provide the 2019 signed dated 1040 1/12/22 Client provided the 2019 returns. | Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is less than required of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is less than required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX months PITI<br>|
| 409020540 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied | D<br> A | D<br> A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing P&L, | 11/12 Client provided the YTD P&L | Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is less than required of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is less than required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX months PITI<br>|
| 409020540 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Property Valuations | FEMA | Waived | B | B | PRVAFEMA85XXX | Natural Disaster Area, no subsequent inspection (Public) | No | Missing subsequent inspection for Declaration date XXX | 12.11.2021 Client provided duplicate (in file) subject appraisal dated XXX; condition remains for disaster inspection dated after XXX | Initial and final grade B. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is less than required of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is less than required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX months PITI<br>|
| 409020548 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: XXX% is below max of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Fico exceeds XXX mid score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close $XXX cash reserves exceed guidelines required reserves XXX<br>|
| 409020548 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | COC XXX--New Information requires additional services--Provide details on COC as to what new information was present on XXX or provide refund of increased XXX% tolerance fee of $XXX within XXX days of discovery, corrected CD, LOX explaining correction with proof of delivery via shipping method with tracking information. Appraisal fee increase of $XXXX total. | 04/30/2022 Client provided PCCD XXX with cure, copy of cure check, LOE and delivered tracking. Condition remains. Issue date on PCCD XXX is after the date delivered on XXX tracking provided. Provided evidence PCCD XXX was delivered to the Borrower.05/12/2022 Client provided Disclosure tracking history reflecting CD XXX delivered to Borrower. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: XXX% is below max of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Fico exceeds XXX mid score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close $XXX cash reserves exceed guidelines required reserves XXX<br>|
| 409020548 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing updated valuation supporting $XXX value | 04/19/2022 CDA report provided supporting original appraised value within variance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: XXX% is below max of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Fico exceeds XXX mid score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close $XXX cash reserves exceed guidelines required reserves XXX<br>|
| 4090205XXX2 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C<br> B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX40 | 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 | COC XXX-"NEW INFORMATION REQUIRES ADDITIONAL SERVICES" Provide details on COCs what new information was present on XXX or provide refund of increased 0% tolerance fee of $XXX within XXX days of consummation and proof of delivery via shipping method that includes tracking information. APPRAISAL fee Increase of $XXX Total Above Tolerance. | 02/21/2022 Client provided COC XXX reflecting increase due to Complexity of the property additional fee, Subject XXX ac with full finished basement, pool and outbuilding. | Condition Satisfied. | Numeric | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Calc DTI- XXX %; Program max- XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qual score XXX; Program min- XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked XXX years at current job<br>|
| 4090205XXX2 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C<br> B | Credit | Income/Employment | Satisfied | D<br> A | D<br> A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing YTD P&L for XXX. Required per guidelines | 2.22.2022 Client provided End of Year XXX Profit/Loss for business: XXX supporting income of $XXX vs the qualifying income of $XXX; income updated to $XXX based on YTD P/L for an updated DTI of XXX% and prior DTI was XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Calc DTI- XXX %; Program max- XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qual score XXX; Program min- XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked XXX years at current job<br>|
| 4090205XXX2 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C<br> B | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | CU Score is 3.9. Updated valuation product is required per guideline. | CDA dated XXX is provided; however not supportive of the appraisal value $XXX on XXX; estimating a lower value of $XXX representing a XXX% variance. Risk factors dominated as inappropriate comparable sales, over 1 mile distance when XXX alternate sales are available in closer proximity in a lower price range. A field review is recommended in a separate exception | Exception satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Calc DTI- XXX %; Program max- XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qual score XXX; Program min- XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked XXX years at current job<br>|
| 4090205XXX2 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C<br> B | Property Valuations | Value | Satisfied | C<br> A | C<br> B | PRVAVALU5249 | Property Value Not Supported | No | CDA dated XXX is provided; however not supportive of the appraisal value $XXX on XXX; estimating a lower value of $XXX representing a XXX% variance. Multiple Risk factors cited with most significant as inappropriate comparable sales, over 1 mile distance when XXX alternate sales are available in closer proximity in a lower price range. A field review is recommended | Field Review received value supported | Exception Satisfied. | Not Applicable | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: Calc DTI- XXX %; Program max- XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qual score XXX; Program min- XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked XXX years at current job<br>|
| 409020590 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> B<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> 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 | Need additional documentation | 1.17.2022 Client status is QM Safe Harbor and xxx status is QM Rebuttable Presumption, condition remains due to QM statuses differ. Lender to state if they agree with QM Rebuttable Presumption status vs QM Safe Harbor status 3/31 Client provided a QM RP determination. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available Net Equity and retirement assets - $XXX funds to close = $XXX - $XXX reserves required by lender for the additional financed property owned = $XXX/$XXX PITIA payments on both properties owned = XXX months reserves.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrowers occupied the departing residence for XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been with the current employer for XXX years & XXX month and B2 has been XXX for XXX years<br>|
| 409020590 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> B | C<br> B | CMPTRID3XXX7XXX | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation. | No | XXX percent tolerance for $XXX for increase in Title Settlement & Title Courier Fees. Missing COC or Post Close CD, LOX and evidence of refund check to borrower. | 01/07/2022 Client provided PCCD XXX with additional cure, copy of cure check, LOE and shipping label for delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrowers documented $XXX in available Net Equity and retirement assets - $XXX funds to close = $XXX - $XXX reserves required by lender for the additional financed property owned = $XXX/$XXX PITIA payments on both properties owned = XXX months reserves.<br>CFCFS173XXX: Significant time at current residence<br> - xxx Comments: The borrowers occupied the departing residence for XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been with the current employer for XXX years & XXX month and B2 has been XXX for XXX years<br>|
| 409022002 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | RESPA | Satisfied | B<br> A | B<br> A | CMPRESPA2XXX98 | RESPA - List of homeowners counseling organizations not in file | No | Missing list of homeowners counseling organizations | 10/14/2025 Client provided missing Homeowners Counseling Organization List dated XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has XXX months mortgage payment history 0x30<br>|
| 409022253 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITI Guidelines require XXX months or $ XXX X XXX = $ XXX + XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409022254 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 114 points above minimum program requirement of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrowers have XXX months mortgage payment history 0x30.<br>|
| 4090222XXX1 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS173XXX: Significant time at current residence<br> - xxx Comments: Borrowers have been at departing residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job > XXX years.<br>|
| 4090237XXX5 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: XXX% DTI Is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $XXX - or XXX - months PITI reserves exceed guidelines.<br>|
| 409025089 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied | D<br> A | D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | AUS was run as a rate/term refinance however borrower is paying off a lump sum of $XXX to ex-spouse on the final CD. Loan should be a cash out. Per AUS findings #XXX loan is ineligible. | 2/8 Client provided same AUS as located in original file, ineligible due to cash out2/9 Client requested a review; upon review the file has the Divorce decree which requires the Borrower to refinance the marital property remove the Spouse and pay half the equity to the former spouse; This is considered a XXX refinance | Condition satisfied | (No Data) | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below guideline of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on job for XXX years.<br>|
| 409025090 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is XXX% below the XX% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program.<br>|
| 409025091 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid Fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | Exception satisfied | Numeric | Not Applicable | CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI below guideline requirement. Max DTI XXX% current DTI XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in current profession<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C<br> A | C<br> A | CMPATRQM290XXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Missing all Credit and Income documentation | 2/3 Client provided all required income and credit documents | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied | D<br> A | D<br> A | CMPMAN2950 | Missing Rate Lock | No | Missing Rate Lock date documentation. | 02/03/22 Client provided the missing XXX COC, Rate Lock and LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Federal Consumer Protection | Satisfied | D<br> A | D<br> A | CMPFDCP3480 | ECOA - Appraisal Disclosure Notice Missing | No | Provide Appraisal Disclosure. Loan Estimate missing | 02/03/22 Client provided the missing Initial LE and Appraisal Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX70 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation | No | Zero tolerance in amount of $XXX due to missing LE's and COC's in file to support it. Condition pending receiving Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 02/03/22 Client provided the missing LE's and COC's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3XXX7XXX | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within XXX0 days of consummation. | No | Zero tolerance in amount of $XXX due to missing all LE's and no COC in file to support it. Condition pending receiving Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 02/03/22 Client provided the missing LE's and COC's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D<br> A | D<br> A | CMPTRID3494 | TRID - Loan Estimate Missing | No | Per Tracking Details file is missing the initial LE XXX and Revised LE XXX. Provide missing documents. | 02/03/22 Client provided the missing LE's and COC's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied | C<br> A | C<br> A | CRDAST20XXX | Asset Amounts Are Unsupported by Documentation in File | No | required on AUS from XXX#XXX; XXX#XXX; Citibank #XXX; XXX#XXX; XXX#XXX Provide Final Signed CD's from sale of XXX and XXX Additional conditions may apply XXX#XXX Provide Final Signed CD's from sale of XXX and XXX. Additional conditions may apply | 2/3 Client provided XXX consecutive months statement and final settlement statement, Assets required per AUS XXX months, borrower have XXX months | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied | C<br> A | C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | required on AUS from XXX#XXX; XXX#XXX; Citibank #XXX; XXX#XXX; XXX#XXX Provide Final Signed CD's from sale of XXX and XXX Additional conditions may apply | 2/3 Client provided XXX consecutive months statement and final settlement statement, Assets required per AUS XXX months, borrower have XXX months | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied | D<br> A | D<br> A | CRDAST2XXX70 | Asset documentation is insufficient per guideline requirements | No | Provide XXX months bank statements (or required on AUS from XXX#XXX; XXX#XXX; XXX#XXX; XXX#XXX; XXX#XXX Provide Final Signed CD's from sale of XXX and XXX Additional conditions may apply | 2/3 Client provided XXX consecutive months statement and final settlement statement, Assets required per AUS XXX months, borrower have XXX months | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Credit/Mtg History | Satisfied | B<br> A | B<br> A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Missing Credit Report | 2/3 Client provided credit report, tradelines within guidelines | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Credit/Mtg History | Satisfied | D<br> A | D<br> A | CRDCRMH189 | Missing credit report | No | Provide Credit Report Additional conditions may apply | 2/3 Client provided credit report | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied | D<br> A | D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide PITI for XXX; XXX AKAXXX and XXX AKA XXX.Additional conditions may apply | 2/3 Client provided PITI for XXX and XXX | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied | C<br> A | C<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd Party from VOE XXX; XXX; XXX & XXX for B1 no more than 120 calendar days prior to the Note date. Missing VOE from XXX dated within XXX business days prior to Note for B2 Additional conditions may apply | 2/3 Client provided VOE for B2 and evidence of XXX for B1 | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied | C<br> A | C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide Income Worksheet. Provide Lease Agreement for XXX St AKA XXX and XXX AKAXXX if required by AUS Additional conditions may apply | 2/3 Client provided lease for XXX and XXX, and income worksheet | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied | C<br> A | C<br> A | CRDINC890 | Employment is Unsupported by Documentation in File | No | Missing all Income Documentation for both Borrowers | 2/3 Client provided income documents for both borrowers, missing fully executed business returns for all 3 businesses2/9 Client provided all business returns fully executed | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied | D<br> A | D<br> A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No | Provide current XXX years Tax Transcripts if required by AUS. | 2/3 Client provided 19/20 transcripts | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied | D<br> A | D<br> A | CRDINC2302 | Missing Required Income Documentation | No | Provide all XXX income documentation from XXX & XXX; XXX;XXX and XXX for B1. Provide Income Documentation for B2 from XXX and "XXX" K1 loss for B2 Missing Profit and Loss from XXX & XXX; GXXX; XXX | 2/3 Client provided all personal and business returns required, 19/20 W2's for both and pay stubs for B2 | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied | D<br> A | D<br> A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing YTD Profit and Loss from XXX; XXX & XXX; XXX; XXX & XXXMissing Profit and Loss from B XXX, XXX,XXX & XXX | 2/3 Client provided YTD profit and loss for XXX, XXX,XXX and XXX | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied | D<br> A | D<br> A | CRDINC32XXX0 | Balance Sheet missing for one or more Self Employed borrowers | No | Missing YTD Balance Sheet from XXX; IDP & XXX; XXX; XXX Additional conditions may apply | 2/3 Client provided YTD balance sheet for XXX, XXX, XXX and XXX | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Insurance | Satisfied | D<br> A | D<br> A | CRDINSR2400 | Missing Flood Certification Document | No | Provide Flood Cert | 2/3 Client provided flood cert | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Legal Documents | Satisfied | D<br> A | D<br> A | CRDLGL2422 | Missing Purchase Contract | No | Provide Purchase Contract | 2/3 Client provided purchase agreement | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Legal Documents | Satisfied | D<br> A | D<br> A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Loan File is Missing or Contains Insufficient Documentation for Basic Review | 2/3 Client provided income and credit documents | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied | D<br> A | D<br> A | CRDTER14XXX | Missing lender's loan approval/underwriting form | No | Provide XXX8 | 2/3 Client provided income worksheet, Select AUS | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied | D<br> A | D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing CU Score. If over 2.5 provide CDA | 2/3 Client provided 2 full appraisals and AUS | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | C<br> A | C<br> A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Provide Full Appraisal. Additional conditions may apply | 2/3 Client provided 2 full complete appraisals | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPRXXX | Missing Appraisal | No | Provide Full Appraisal. Additional conditions may apply | 2/3 Client provided 2 full complete appraisals | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR311XXX | Missing updated valuation | No | Missing CDA | 2/3 Client provided 2 full appraisals and AUS | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | FEMA | Satisfied | C<br> A | C<br> A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Provide Full Appraisal. Additional conditions may apply | 2/3 Client provided 2 full complete appraisals, subject not in a disaster area | satisfied | (No Data) | Not Applicable | CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)<br> - xxx Comments: Missing all Income/Asset/Credit and Appraisal documentation<br>|
| 409025094 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller paid fees on seller CD but not all fees are disclosed on page 2 of the Borrowers final CD dated XXX. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX2 points above the XXX FICO required for the program.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX%is XXX% below the XXX% allowed for the program.<br>|
| 409025094 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Terms/Guidelines | Satisfied | C<br> A | C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | CDA supports value, however copy provided is not scanned in properly, comp pages are cut off. Provide full CDA, all pages. | 2/24 Client provided complete pages of valuation | satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX2 points above the XXX FICO required for the program.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI of XXX%is XXX% below the XXX% allowed for the program.<br>|
| 409025095 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. | (No Data) | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS28XXX0: Good credit history<br> - xxx Comments: Borrower has good credit history with no recent late payments.<br>CFCFS17XXX: DTI below guideline requirement<br> - xxx Comments: DTI XXX is below lenders guide line maximum.<br>|
| 409025107 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees are listed on Seller CD, however fees are missing from the Borrowers Final CD. | (No Data) | Exception satisfied | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years working in the same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds guidelines by more than 20 points.<br>|
| 409025107 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied | D<br> A | D<br> A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Gift funds coming from Non borrowing spouse Compensating Factors: Gift funds coming from non borrowing spouse. | 2.7.2022 Client provided duplicate (in file) Gift Letters $XXX and $XXX along with evidence of donor having sufficient funds, and file have evidence of borrower receipt of these two gift funds deposited in his account: $XXX and $XXX (pg. 195) | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years working in the same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds guidelines by more than 20 points.<br>|
| 409025107 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied | B<br> A | B<br> A | CRDINC249XXX | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing full XXX year VOE.Processor cert states prior employer bought out by current employer, however current employer will not validate prior employment | 2.7.2022 Client provided duplicate (in file) current employment Written VOE however with review of file, LOX from processor (pg. 8XXX) stating borrower was previously employed by XXX from XXX- XXX; the current employer will not verify employment for XXX(current employer XXX bought out previous employer: XXX), file have all of XXX/XXX paystubs (from XXX and XXX) supporting employment with XXX and file have XXX paystubs from this previous employment and current employment VVOE verified started XXXIn addition file have website documentation (pg. XXX9) stating XXX to XXX. File is documented with paystubs no gap of employment. | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years working in the same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds guidelines by more than 20 points.<br>|
| 409025107 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied | D<br> A | D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | AUS DTI > XXX% differential from DD calcAlso AUS states Approved / eligible, per guides: AUS findings with an Approve/Ineligible due to loan amount, must be present in all closed loan files. | 2/9 Client provided AUS #4, DTI XXX%, actual DTI XXX% | satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years working in the same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds guidelines by more than 20 points.<br>|

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## Exhibit 99.7

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| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** | **SEMT 2025-S2** |  |  |  |
| **Start - End Dates:** | **6/16/2021 - 10/10/2025** |  |  |  |
| **Deal Loan Count:** | **124** |  |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** |  |  |  |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER109 | Cash Out Amount Exceeds Guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH123 | No evidence of required debt payoff | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 1 |
| Credit | DTI | CRDDTI105 | Debt Ratio Exception xxx% or Less | 1 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 1 |
| Credit | Assets | CRDAST2670 | Asset documentation is insufficient per guideline requirements | 1 |
| Property Valuations | FEMA | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | 1 |
| Compliance | Right of Rescission | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | 1 |
| Compliance | RESPA | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | 1 |
| **Total** |  |  |  | **9** |
| <br>©2025 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>©2025 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>©2025 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>©2025 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>©2025 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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## Exhibit 99.8

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#### EXECUTIVE SUMMARY

#### DESCRIPTION OF SERVICES
(1) Type of assets that were reviewed.

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Redwood Residential Acquisition Corporation (the "Client") via reliance letter. The Review was conducted in October 2021 through October 2025 on mortgage loans with origination dates in February 2020 through September 2025 via files imaged and provided by the original client for review.

(2) Sample size of the assets reviewed.

The Review was conducted on the portion of the securitization mortgage loan population reviewed by AMC. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC may or may not have reviewed all of the mortgage loans in the securitization loan population for a specific scope of review. During the course of the selection of the final securitization population mortgage loans may have been eliminated from the originally envisioned securitization population for reasons that are unknown to AMC. Within the final securitization mortgage loan population, the Review sample was broken down into the following review scopes:

◾ "Credit and Compliance Review": 468 mortgage loans <br> ◾ "Modification Review" &nbsp;&nbsp;&nbsp;&nbsp;1 mortgage loan <br> ◾ "Pay History Review": &nbsp;&nbsp;&nbsp;&nbsp;1 mortgage loan

(3) Determination of the sample size and computation.

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

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

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

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| | | |
|:---|:---|:---|
| # of Borrowers | Doc Type | Original P&I |
| # of Units | First Payment Date | Original Term |
| Amortization Term | Interest Only | Origination Channel |
| Amortization Type | Investor: Qualifying Housing Ratio | Originator Loan Designation |
| Appraised Value | Investor: Qualifying Total Debt Ratio | Other Financing Junior Total Original Loan Amount |
| Borrower First Name | Lien Position | PMI Company |
| Borrower Last Name | LTV Valuation Value | Property Type |
| Borrower Qualifying FICO | Maturity Date | Purpose |
| Borrower SSN | Mortgage Type | Refi Purpose |
| City | Note Date | Representative FICO |
| Coborrower First Name | Occupancy | State |
| Coborrower Last Name | Original CLTV | Street |
| Coborrower Qualifying FICO | Original Interest Rate | Universal Loan Identifier (ULI) |
| Coborrower SSN | Original Loan Amount | Value Used For LTV Calculation |
| Contract Sales Price | Original LTV | Zip |

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

AMC reviewed the origination of the related assets 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.

1 \| P a g e

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![](logo_amc.gif)

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**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 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 date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** 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 a DU/LP form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

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

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

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

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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.

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

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

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

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

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

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be

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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.

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

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

#### FOR APPLICATION DATES BEFORE JANUARY 10, 2014
(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

<br> a) <u>Rescission (§1026.23):</u>

<br> i) failure to provide the right of rescission notice;

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

<br> iii) errors in the right of rescission notice;

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

<br> v) failure to provide the three (3) business day rescission period; and

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

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

<br> i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

<br> ii) proper execution by all required parties;

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

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

<br> 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

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

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty test; and

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

<br> e) <u>Higher-priced Mortgage Loan (§1026.35):</u>

<br> i) APR threshold test; and

<br> ii) compliance with the escrow account and appraisal requirements;

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

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

<br> i) confirm the presence of the current GFE form in effect at the time of origination;

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

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

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

<br> v) confirm the presence of a settlement service provider list, as applicable.

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

<br> i) confirm current applicable HUD form was provided;

<br> ii) determination that the loan file contains the final HUD;

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

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

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

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

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

<br> 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.

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

<br> i) confirm the presence of the Servicing Disclosure Statement form in the loan file;

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

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

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

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

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

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

<br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

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

(VI) Document Review

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

<br> ◾ Initial application (1003);

<br> ◾ Final application (1003);

<br> ◾ Note;

<br> ◾ Appraisal;

<br> ◾ Sales contract;

<br> ◾ Title/Preliminary Title;

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<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Final HUD-1;

<br> ◾ Initial and final GFE's;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ FACTA disclosures; and

<br> ◾ Certain other disclosures related to the enumerated tests set forth herein.

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

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

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

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

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

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

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

<br> b) <u>Homeownership counseling (§1026.36):</u>

<br> i) determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature;

<br> c) <u>Mandatory Arbitration Clauses (§1026.36):</u>

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

<br> d) <u>Prohibition on Financing Credit Insurance (§1026.36):</u>

<br> i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance; and

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

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

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

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

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

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

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

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

<br> a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

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<br> b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

<br> 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

<br> d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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status of a loan. AMC's review is based on information contained in the loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

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

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

<br> i) timing and content of the right to receive copy of appraisal disclosure;

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

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

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

(XI) FIRREA Review

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 comparables and adjustments were reasonable and that pictures were provided and were accurate.

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

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

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

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

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

<br> a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u>

<br> i) confirm the presence of LE for applications on or after October 3, 2015;

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

<br> 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;

<br> 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;

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

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

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

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

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

<br> b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u>

<br> i) confirm the presence of CD for applications on or after October 3, 2015;

<br> 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;

<br> 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;

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

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

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

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

<br> c) <u>Your Home Loan Toolkit (§1026.19):</u>

<br> 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

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

(XIII) 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):

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

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<br> ◾ Certain other disclosures related to the enumerated tests set forth herein.

(8) Other: review and methodology

**Modification Review:** AMC conducted a review of the modification, or modifications, contained within the mortgage loan file.

**Payment History Review:** AMC performed a review utilizing individual mortgage loan payment history reports provided by the servicer of the mortgage loans. Using the MBA methodology, AMC created a payment string using a 36 month look back for each mortgage loan within the payment history random sample population.

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 and discussed above, please be advised that AMC 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 AMC 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 AMC 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 AMC is relying in reaching such results. Except as expressly stated herein, AMC 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 AMC 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. AMC 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 AMC 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 AMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. AMC 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 AMC.

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#### SUMMARY OF FINDINGS AND CONCLUSIONS
The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed on the Form ABS Due Diligence-15E.

#### OVERALL REVIEW RESULTS SUMMARY (468 Mortgage Loans)
There were 468 mortgage loans in the population reviewed by AMC. After all documents were presented, under the applicable Fitch and Kroll NRSRO grading criteria, 405 (86.54%) had an Overall grade of "A", 63 (13.46%) had an Overall grade of "B", and no loans had an Overall grade of "C" or "D".

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** |
| **Final Loan Grade** | **Credit** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 436 | 436 | 438 | 465 | 405 |
| B | 32 | 32 | 30 | 3 | 63 |
| C | 0 | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 | 0 |
| **Total** | **468** | **468** | **468** | **468** | **468** |
| **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** |
| **Final Loan Grade** | **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | A | 93.16% | 93.59% | 99.36% | 86.54% |
| B | B | 6.84% | 6.41% | 0.64% | 13.46% |
| C | C | 0.00% | 0.00% | 0.00% | 0.00% |
| D | D | 0.00% | 0.00% | 0.00% | 0.00% |
| **Total** | **Total** | **100.00%** | **100.00%** | **100.00%** | **100.00%** |

---

#### COMPLIANCE RESULTS SUMMARY (470 Mortgage Loans)
468 mortgage loans were subject to a compliance review. After review of the 468 mortgage loans, under Fitch and Kroll applicable grading criteria, 30 mortgage loans (6.41%) retain a grade of "B". The remaining 438 mortgage loans (93.59%) are retaining rating agency grades "A" with no exceptions noted.

Pursuant to the applicable NRSRO criteria, AMC graded certain compliance exceptions as non-material based upon seasoning of the mortgage loans. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than rescission, which is raised as a defense to foreclosure. 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.

---

| | | |
|:---|:---|:---|
| **Compliance NRSRO Grade** | **Loan Count** | **% of Loans** |
| A | 438 | 93.59% |
| B | 30 | 6.41% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **468** | **100.00%** |

---

#### CREDIT REVIEW RESULTS SUMMARY (468 Mortgage Loans)
468 mortgage loans were subject to a credit review. Under the applicable NRSRO grading criteria, 436 mortgage loans (93.16%) received an "A" credit review grade and 32 mortgage loans (6.84%) received a "B" credit review grade.

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---

| | | |
|:---|:---|:---|
| **Credit NRSRO Grade** | **Loan Count** | **% of Loans** |
| A | 436 | 93.16% |
| B | 32 | 6.84% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **468** | **100.00%** |

---

#### PROPERTY/VALUATION REVIEW RESULTS SUMMARY (468 Mortgage Loans)
468 mortgage loans were subject to a property review. Under the applicable NRSRO grading criteria, 465 mortgage loans (99.36%) received an "A" property review grade and 3 mortgage loans (0.64%) received a "B" property review grade.

---

| | | |
|:---|:---|:---|
| **Property NRSRO Grade** | **Loan Count** | **% of Loans** |
| A | 465 | 99.36% |
| B | 3 | 0.64% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **468** | **100.00%** |

---

#### REVIEW EXCEPTION SUMMARY (468 Mortgage Loans)
The summaries below detail the exceptions from the Compliance Review that would have resulted in a "B", "C", or "D" grade for a given mortgage loan. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Fitch Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | TRID Defect | 19 |
| Compliance | B | ATR/QM Defect | 11 |
| Compliance | B | ECOA | 3 |
| Compliance | B | Missing Disclosure | 2 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 1 |
| Compliance | B | RESPA | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***37*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **37** |
| Credit | B | Title | 28 |
| Credit | B | 1003 | 1 |
| Credit | B | Credit | 1 |
| Credit | B | Guideline | 1 |
| Credit | B | Loan Package Documentation | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***33*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **33** |
| Property | B | Property - Appraisal | 3 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***3*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **3** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **73** |

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---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Kroll Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | TRID Defect | 19 |
| Compliance | B | ATR/QM Defect | 11 |
| Compliance | B | ECOA | 3 |
| Compliance | B | Missing Disclosure | 2 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 1 |
| Compliance | B | RESPA | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***37*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **37** |
| Credit | B | Title | 28 |
| Credit | B | 1003 | 1 |
| Credit | B | Credit | 1 |
| Credit | B | Guideline | 1 |
| Credit | B | Loan Package Documentation | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***33*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **33** |
| Property | B | Property - Appraisal | 3 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***3*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **3** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **73** |

---

#### PAYMENT HISTORY REVIEW SUMMARY (1 Mortgage Loan)
Of the 1 mortgage loan subjected to the payment history review, 1 (100%) mortgage loan had a complete pay history string. Of the 1 mortgage loans reviewed, 1 (100%) was reviewed with a cut-off date of November 30, 2024, and was reviewed with a 36-month look back period. Of the mortgage loan reviewed, 1 (100%) mortgage loan did not show a delinquency within the look back period. As of the cut-off date, the mortgage loan was current.

---

| | | |
|:---|:---|:---|
| **Delinquency During Lookback** | **Loan Count** | **% of Loans** |
| No Delinquency, No Missing Data | 1 | 100.00% |
| Delinquency, No Missing Data | 0 | 0.00% |
| No Delinquency, At Least One Month Missing | 0 | 0.00% |
| Delinquency, At Least One Month Missing | 0 | 0.00% |
| **Total** | **1** | **100.00%** |

---

#### ADDITIONAL SUMMARY
*Some % of Loans may not add to 100% due to rounding*

#### AMC Diligence, LLC (468 Mortgage Loans)

---

| | | |
|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** |
| Fixed | 468 | 100.00% |
| **Total** | **468** | **100.00%** |

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![](logo_amc.gif)

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---

| | | |
|:---|:---|:---|
| <br> **Lien Position** | **Loan Count** | **% of Loans** |
| 1 | 468 | 100.00% |
| **Total** | **468** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 5 | 0.85% |
| Limited Cash-Out | 4 | 0.79% |
| First Time Home Purchase | 147 | 31.09% |
| Other-than-first-time Home Purchase | 286 | 62.25% |
| Rate/Term Refinance - Lender Initiated | 1 | 0.16% |
| Rate/Term Refinance - Borrower Initiated | 25 | 4.86% |
| **Total** | **468** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** |
| 121-180 Months | 2 | 0.09% |
| 241-360 Months | 466 | 99.91% |
| **Total** | **468** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** |
| Single Family Detached | 273 | 58.54% |
| Condo, Low Rise | 27 | 4.81% |
| Condo, High Rise | 6 | 0.92% |
| PUD | 152 | 32.63% |
| 1 Family Attached | 6 | 1.58% |
| 2 Family | 4 | 1.52% |
| **Total** | **468** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** |
| Primary | 397 | 87.31% |
| Second Home | 71 | 12.69% |
| **Total** | **468** | **100.00%** |

---

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## Exhibit 99.9

![](logo_situs.jpg)

#### Rating Agency Grades

#### Run Date - 10/30/2025 2:42:28 PM

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX | 408070388 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 408070369 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 408070393 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 408070362 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 408070089 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 408070211 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 408070314 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 408070141 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 408070163 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 408070437 | XXXX |  |  | D | A | A | D | A | A | A | A |  |
| XXXX | 408070424 | XXXX |  |  | A | B | A | B | A | A | A | A |  |
| XXXX | 408070413 | XXXX |  |  | D | A | A | D | A | A | A | A |  |
| XXXX | 3260123792 | XXXX |  |  | C | D | A | D | B | B | A | B |  |
| XXXX | 3260161100 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3260145353 | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107442790 | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 3260145353 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 2107442790 | XXXX |  |  | C | A | A | C | B | A | A | B |  |
| XXXX | 3567755030 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3557164811 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 3567607360 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3569577415 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 3567598748 | XXXX |  |  | B | C | A | C | B | A | A | B |  |
| XXXX | 3569162217 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 112300631 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300639 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300633 | XXXX |  |  | A | A | D | D | A | A | A<br> B | A<br> B |  |
| XXXX | 112300701 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300636 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 112300705 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 112300637 | XXXX |  |  | A | C | D | D | A | A | A<br> B | A<br> B |  |
| XXXX | 112300642 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300700 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 112300702 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 112300704 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
| XXXX | 112300623 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300622 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300625 | XXXX |  |  | A | C | A | C | B | A | A | B |  |
| XXXX | 112300711 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300703 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300628 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 112300629 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 112300626 | XXXX |  |  | A | B | D | D | A | A | A | A |  |
| XXXX | 112300712 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300708 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300612 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300718 | XXXX |  |  | C | A | D | D | A | A | A | A |  |
| XXXX | 112300717 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
| XXXX | 112300606 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300725 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300594 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300601 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300722 | XXXX |  |  | C<br> B | C | A | C | A | A | A | A |  |
| XXXX | 112300720 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300716 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 112300723 | XXXX |  |  | A | C | B | C | A | A | B | B |  |
| XXXX | 112300599 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 112300587 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 112300726 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300600 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300583 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300585 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300582 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300581 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300589 | XXXX |  |  | C | B | A | C | A | B | A | B |  |
| XXXX | 112300580 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
| XXXX | 112300590 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 112300588 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 112300570 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 112300544 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300534 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 112300571 | XXXX |  |  | C | A | D | D | A | A | A | A |  |
| XXXX | 112300553 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300542 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300566 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 112300575 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300539 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 112300564 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 112300515 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 112300543 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300573 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300558 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300529 | XXXX |  |  | C | A | D | D | A | A | A | A |  |
| XXXX | 112300578 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300556 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300519 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300528 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300521 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 112300559 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300584 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300537 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300562 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300535 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300567 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300569 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300516 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300554 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300547 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 112300492 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300540 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
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| XXXX | 112300447 | XXXX |  |  | B | A | A | B | A | A | A | A |  |
| XXXX | 112300424 | XXXX |  |  | A | B<br> C | A | B<br> C | A | B | A | B |  |
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| XXXX | 112300388 | XXXX |  |  | B | C | A | C | B | A | A | B |  |
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| XXXX | 112300224 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300231 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
| XXXX | 112300249 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300561 | XXXX |  |  | A | A<br> B | D | D | A | A<br> B | A | A<br> B |  |
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| XXXX | 112300263 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 112300236 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
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| XXXX | 112300255 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
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| XXXX | 112300199 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 112300250 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 112300219 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300201 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
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| XXXX | 112300196 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300217 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300213 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 112300240 | XXXX |  |  | A | C | D | D | A | A | A | A |  |
| XXXX | 112300210 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300197 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300194 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
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| XXXX | 112300212 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300215 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 112300200 | XXXX |  |  | B | C | A | C | B | A | A | B |  |
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| XXXX | 112300749 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
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| XXXX | 112300741 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 112300737 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
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| XXXX | 112300743 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
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| XXXX | 112300761 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300772 | XXXX |  |  | A | B<br> C | A | B<br> C | A | B | A | B |  |
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| XXXX | 112300773 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
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| XXXX | 112300780 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
| XXXX | 112300820 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300849 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
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| XXXX | 112300862 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300884 | XXXX |  |  | C | A | D | D | A | A | A | A |  |
| XXXX | 112300792 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 112300859 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 112300865 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 112300827 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300882 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300899 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300855 | XXXX |  |  | B | C | A | C | B | A | A | B |  |
| XXXX | 112300856 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300901 | XXXX |  |  | B | A | A | B | A | A | A | A |  |
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| XXXX | 112300894 | XXXX |  |  | B | A | A | B | A | A | A | A |  |
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| XXXX | 112300875 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300830 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300861 | XXXX |  |  | C | A | D | D | A | A | A | A |  |
| XXXX | 112300831 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300847 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300886 | XXXX |  |  | A | C | D | D | A | A | A | A |  |
| XXXX | 112300864 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300887 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300872 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 112300866 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300828 | XXXX |  |  | B | B | A | B | A | B | A | B |  |
| XXXX | 112300867 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 112300835 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 112300863 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 112300904 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 112300781 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 112300912 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 112300924 | XXXX |  |  | B | A | A | B | A | A | A | A |  |
| XXXX | 112300878 | XXXX |  |  | B | A | A | B | A | A | A | A |  |
| XXXX | 112300850 | XXXX |  |  | B | B | D | D | B | B | A | B |  |
| XXXX | 112300919 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300921 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 112300922 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300853 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300926 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300846 | XXXX |  |  | B | C | D | D | B | A | A | B |  |
| XXXX | 112300923 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300885 | XXXX |  |  | B | A | A | B | A | A | A | A |  |
| XXXX | 112300883 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300920 | XXXX |  |  | C | A | A | C | B | A | A | B |  |
| XXXX | 112300908 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 112300917 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 112300925 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 112300915 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 112300910 | XXXX |  |  | B | A | A | B | A | A | A | A |  |

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![](logo_situs.jpg)

#### Exception Grades

#### Run Date - 10/29/2025 2:42:41 PM

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| XXXX | 408070388 | XXXX |  | 24751203 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | File is missing a copy of the flood certificate for the subject property. Upon receipt of the missing flood certificate, additional conditions may apply. |  |  |  | Reviewer Comment (2021-12-21): Received Flood certificate, document attached and updated. Exception cleared.<br>Buyer Comment (2021-12-20): flood cert<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070388 | XXXX |  | 24751205 |  | 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 [redacted] business days prior to closing, and appraisal was not provided at or before closing. | File is missing evidence the borrowers were provided and received a copy of the final second appraisal at least [redacted] business days prior to closing. |  |  |  | Buyer Comment (2022-01-07): Duplicate condition, waived<br>Buyer Comment (2021-12-29): see attachment, thanks.<br>Reviewer Comment (2021-12-28): Missing evidence that the appraisal dated [redacted] was received by borrower at or before closing. The waiver provided just waives the fact that it needs to be within [redacted] days. So we need evidence appraisal was provided between [redacted] and close. Exception remains.<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070388 | XXXX |  | 24751206 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Borrower's income and employment was verified with a Written VOE dated [redacted], which is dated [redacted] business days from the Note date of [redacted]. File is missing a Verbal VOE dated no more than [redacted] business days prior to the note date as required by DU Condition #[redacted]. |  |  |  | Reviewer Comment (2022-01-28): Received vvoe document prior to [redacted] business days from closing date and associated. Exception cleared.<br>Buyer Comment (2022-01-27): see attachment, thanks<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070388 | XXXX |  | 24751207 |  | 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. | Per documentation in file, the borrowers received a copy of the second appraisal on [redacted], which is prior to the first appraisal final report date of [redacted]. Evidence borrowers received a copy of the final first appraisal was not provided. |  |  |  | Buyer Comment (2022-01-07): Condition waived, EV2, supplemental appraisal contained clerical changes only<br>Reviewer Comment (2021-12-28): Appraisal receipt required. Under [redacted], the appraisal timing requirements under ECOA state: "A creditor shall provide a copy of each such appraisal or other written valuation promptly upon completion, or [redacted] business days prior to consummation of the transaction…". If the preliminary appraisal was provided prior to [redacted] days before consummation, but there is no evidence of when the revised appraisal was provided, the exception is valid Note that under HPML rules, we will downgrade a similar scenario to EV2 if the appraised value has not changed on the revised appraisal, but under ECOA, the exception is already an EV2 so the grading would remain as is.<br>For further information from the regulation, the commentary to [redacted]([redacted])([redacted])-[redacted] appears to require that if the creditor receives a revision to an appraisal/valuation already provided, they must provide this latest version in order to comply with the ECOA requirement to provide "all" appraisals.<br> Commentary to [redacted]([redacted])([redacted])-[redacted] states: "Multiple versions of appraisals or valuations. For purposes of § [redacted]([redacted])([redacted]), the reference to "all" appraisals and other written valuations does not refer to all versions of the same appraisal or other valuation. If a creditor has received multiple versions of an appraisal or other written valuation, the creditor is required to provide only a copy of the latest version received. If, however, a creditor already has provided a copy of one version of an appraisal or other written valuation to an applicant, and the creditor later receives a revision of that appraisal or other written valuation, then the creditor also must provide the applicant with a copy of the revision to comply with § [redacted]([redacted])([redacted]). If a creditor receives only one version of an appraisal or other valuation that is developed in connection with the applicant's application, then that version must be provided to the applicant to comply with § [redacted]([redacted])([redacted]). See also comment [redacted]([redacted])([redacted])-[redacted] above." Exception remains.<br>Buyer Comment (2021-12-21): the final report dated [redacted] was for clerical revisions; therefore, re-disclosure is not required. the report for [redacted] has the same effective date ([redacted]) of the original first appraisal. [redacted] was the delivery of that first appraisal. the [redacted] appraisal wasn't completed until [redacted]. please review, thanks.<br>Reviewer Comment (2021-12-20): Missing evidence appraisal dated [redacted] was delivered to borrower. Exception remains.<br>Buyer Comment (2021-12-17): report for [redacted] was for clerical corrections of the original appraisal; nothing changed. see attachment, thanks.<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070388 | XXXX |  | 24751208 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $[redacted] on the Initial Loan Estimate, but disclosed as $[redacted] on the Final Closing Disclosure without a valid Change of Circumstance. Evidence of cure for the increase of $[redacted] was not provided. |  |  |  | Reviewer Comment (2022-01-04): [redacted] has received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2022-01-03): see attachment for proof of delivery<br>Reviewer Comment (2021-12-30): [redacted] has received Corrected PCCD, Copy of Refund check, Proof of mailing & LOE to borrower. However, as per the tracking ID it seems that the package has not been picked up for the delivery. Kindly provide the proof of mailing once the package is out for delivery or shipped to the borrower.<br>Buyer Comment (2021-12-29): Please see cure docs<br>|  | XXXX |  | 2<br> C<br> B |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 408070388 | XXXX |  | 24751209 |  | Credit | Asset | Asset Documentation | Asset | Earnest Money Deposit is unsourced. Per guidelines EMD source is required. |  | File contains a letter from the closing attorney dated [redacted] verifying receipt of the earnest money deposit of $[redacted] however, the bank statements in the file do not verify the EMD cleared the borrower's accounts. File is missing proof the EMD came from the borrower's own funds as required by DU Condition #[redacted]. |  |  |  | Reviewer Comment (2021-12-30): Borrower has sufficient funds even if after excluding EMD amount $[redacted], hence exception cleared.<br>Buyer Comment (2021-12-29): EMD [redacted] guidelines, see attachment. thanks<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070369 | XXXX |  | 24751263 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Due to missing self-employed income documentation, the subject loan designation is QM (APOR) Fail. |  |  |  | Reviewer Comment (2022-01-19): Loan is SHQM (APOR).<br>Buyer Comment (2022-01-14): to clear all remaining conditions<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 408070369 | XXXX |  | 24751264 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure provided |  |  |  | Reviewer Comment (2021-11-18): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 408070369 | XXXX |  | 24751265 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - K-1 Less Than [redacted] Percent | General QM: Unable to verify current K-1 (Less tthan [redacted]% Ownership) status using reasonably reliable third-party records. | Borrowers did not sign and date the [redacted] and [redacted] personal tax returns. Upon receipt of the signed and dated [redacted] and [redacted] personal tax return pages, additional conditions may apply. |  |  |  | Reviewer Comment (2022-01-19): Exception cancelled based on [redacted] years personal signed/dated returns and [redacted] years K-1's. [redacted] personal return due date extended to [redacted] given IRS extension for residents and businesses in select counties of [redacted] due to Hurricane [redacted] disaster.<br>Buyer Comment (2022-01-18): Please see page [redacted] under other documents, [redacted] tax filing date was extended to [redacted] due to FEMA disaster. [redacted] K-1 is the most recent, [redacted] not yet provided to borrower due to tax filing date extension. No transcripts or P&L required per program guides, please clear condition<br>Reviewer Comment (2022-01-07): Received signed and dated tax returns for the year [redacted] and [redacted] however one of the following documents is required for this income- Most recent K-1 and most recent tax transcripts and audited YTD P&L to clear the exception.<br>Buyer Comment (2022-01-05): [redacted], and [redacted] 1040s signed and dated<br>Reviewer Comment (2021-12-06): Executed personal tax returns for the year [redacted] and [redacted] not received. Upon receipt of the signed and dated [redacted] and [redacted] personal tax return pages, additional conditions may apply. Exception remains.<br>Buyer Comment (2021-12-03): [redacted] [redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070369 | XXXX |  | 24751266 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than [redacted] Percent | General QM: Unable to verify K-1 (Less tthan [redacted]% Ownership) income using reasonably reliable third-party records. | Borrowers did not sign and date the [redacted] and [redacted] personal tax returns. Upon receipt of the signed and dated [redacted] and [redacted] personal tax return pages, additional conditions may apply. |  |  |  | Reviewer Comment (2022-01-19): Exception cancelled based on [redacted] years personal signed/dated returns and two years K-1's. [redacted] personal return due date extended to [redacted] given IRS extension for residents and businesses in select counties of [redacted] due to Hurricane [redacted] disaster.<br>Buyer Comment (2022-01-18): Please see page [redacted] under CPA Letter, verifying percentage of ownership for borrower. Also, please see page [redacted] under other documents, [redacted] tax filing date was extended to [redacted] due to FEMA disaster. [redacted] K-1 is the most recent, [redacted] not yet provided to borrower due to tax filing date extension. No transcripts or P&L required per program guides, please clear condition<br>Reviewer Comment (2022-01-06): Received signed and dated tax returns for the year [redacted] and [redacted] however one of the following documents is required for this income- Most recent K-1 and most recent tax transcripts and audited YTD P&L to clear the exception.<br>Reviewer Comment (2021-12-06): Executed personal tax returns for the year [redacted] and [redacted] not received. Upon receipt of the signed and dated [redacted] and [redacted] personal tax return pages, additional conditions may apply. Exception remains.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070369 | XXXX |  | 24751267 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $[redacted]. | Revised Closing Disclosure dated [redacted] disclosed a Lender Credits totaling $[redacted] which decreased to -$[redacted] on the Final Closing Disclosure. Evidence of cure for the decrease of $[redacted] was not provided. |  |  |  | Reviewer Comment (2021-12-22): [redacted] received PCCD and LOE, exception is cured.<br>Buyer Comment (2021-12-21): PCCD , LOX<br>Buyer Comment (2021-12-17): Hello, on further review - the $[redacted] was accidentally listed as part of a cure and should have been referenced as a Lender Credit CD to show as $[redacted]Lender credit and $[redacted] cure credit.($[redacted] total) Will you allow us to provide a clerical PCCD showing the correction? The addition of the $[redacted] was already supported per the [redacted] COC.<br>Reviewer Comment (2021-12-17): [redacted] received [redacted] CD and changed circumstance. However, the lender credit decreased on the [redacted] CD for which we are missing a valid changed circumstance. The [redacted] CD reflects total lender credit of $[redacted] ($[redacted] lump sum general credit and $[redacted] lender credit paid appraisal fee) and the lender credit specific on the appraisal fee was removed on the [redacted] CD, thus reducing the lender credit to total of $[redacted]. A valid changed circumstance for removing the $[redacted] credit is required or cure is due borrower.<br>Buyer Comment (2021-12-14): Please see copy of COC from the file referencing the $[redacted]credit.<br>Reviewer Comment (2021-12-09): The [redacted] CD indicates a general lender credit of $[redacted] and specific lender credit of $[redacted] totaling $[redacted] however the lender credit decreased to $[redacted] on the [redacted] without a [redacted]. Please provide [redacted] or please provide a corrected CD, LOE, refund check, and proof of mailing to cure.<br>Buyer Comment (2021-12-06): I did not see a Lender Credit of $[redacted] listed on the [redacted] CD. Can you please re-review this condition?<br>|  | XXXX |  | 2<br> C<br> B |  | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 408070369 | XXXX |  | 24751268 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - K-1 Less Than [redacted] Percent | General QM: Unable to verify current K-1 (Less tthan [redacted]% Ownership) status using reasonably reliable third-party records. | Borrowers did not sign and date the [redacted] and [redacted] personal tax returns. Upon receipt of the signed and dated [redacted] and [redacted] personal tax return pages, additional conditions may apply. |  |  |  | Reviewer Comment (2022-01-19): Exception cancelled based on [redacted] years personal signed/dated returns and [redacted] years K-1's. [redacted] personal return due date extended to [redacted] given IRS extension for residents and businesses in select counties of [redacted] due to Hurricane [redacted] disaster.<br>Buyer Comment (2022-01-18): Please see [redacted] party verification of employment. Also, please see page [redacted] under other documents, [redacted] tax filing date was extended to [redacted] due to FEMA disaster. [redacted] K-1 is the most recent, [redacted] not yet provided to borrower due to tax filing date extension. No transcripts or P&L required per program guides, please clear condition<br>Buyer Comment (2022-01-13): the borrowers primary residence is in [redacted] County and were not required to file until [redacted], and there is no P&L. Borrower owns < [redacted]%.<br>Reviewer Comment (2022-01-06): Received executed 1040's for the year [redacted] and [redacted] however Audited YTD P&L and most recent signed & dated 1040's or tax transcripts are required to clear the exception. Exception remains.<br>Reviewer Comment (2021-12-06): Executed personal tax returns for the year [redacted] and [redacted] not received. Upon receipt of the signed and dated [redacted] and [redacted] personal tax return pages, additional conditions may apply. Exception remains.<br>Buyer Comment (2021-12-03): [redacted] [redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070369 | XXXX |  | 24751269 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than [redacted] Percent | General QM: Unable to verify K-1 (Less tthan [redacted]% Ownership) income using reasonably reliable third-party records. | Borrowers did not sign and date the [redacted] and [redacted] personal tax returns. Upon receipt of the signed and dated [redacted] and [redacted] personal tax return pages, additional conditions may apply. |  |  |  | Reviewer Comment (2022-01-19): Exception cancelled based on [redacted] years personal signed/dated returns and two years K-1's. [redacted] personal return due date extended to [redacted] given IRS extension for residents and businesses in select counties of [redacted] due to Hurricane [redacted] disaster.<br>Buyer Comment (2022-01-18): Please see page [redacted] under other documents, [redacted] tax filing date was extended to [redacted] due to FEMA disaster. [redacted] K-1 is the most recent, [redacted] not yet provided to borrower due to tax filing date extension. No transcripts or P&L required per program guides, please clear condition<br>Reviewer Comment (2022-01-06): Received signed and dated tax returns for the year [redacted] and [redacted] however one of the following documents is required for this income- Most recent K-1 and most recent tax transcripts and audited YTD P&L to clear the exception.<br>Reviewer Comment (2021-12-06): Executed personal tax returns for the year [redacted] and [redacted] not received. Upon receipt of the signed and dated [redacted] and [redacted] personal tax return pages, additional conditions may apply. Exception remains.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070393 | XXXX |  | 24751271 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Loan Discount Points were not disclosed on the Initial Loan Estimate, but disclosed as $[redacted] on the revised Closing Disclosure dated [redacted] and on the Final Closing Disclosure. COC issued on [redacted] disclosed the reason for the change as "Settlement Charge - Discount Points Increased" however, the COC did not disclose what new information warranted the increase in Loan Discount Points. Cure of $[redacted] disclosed on the Final Closing Disclosure is insufficient to cover the tolerance violation of $[redacted]. |  |  |  | Reviewer Comment (2022-01-19): [redacted] received a valid COC for increase in Loan Discount Points.<br>Buyer Comment (2022-01-18): To clarify, there was not a change in Investor. The change was in the program that the loan was underwritten under. It initially was [redacted] Signature and then went to [redacted]. The Loan was locked on [redacted] and at time of rate lock the borrower chose to buy down the rate to [redacted]% paying the pts. of [redacted]%. I have attached the revised COC supporting this.<br>Reviewer Comment (2022-01-03): [redacted] upon further reveiw Loan Discount Points $[redacted]added on LE dated [redacted]. The provided COC [redacted] stating as " Settlement Charge" which is not a valid information for Discount Point increases on LE and also as per recent comment "we allow investor change for jumbo loans" we need additional documentation. So kindly provide a valid COC with additional information and additional documentation to support the investor change.<br>Buyer Comment (2021-12-30): The [redacted] file was floating initially with [redacted] Signature pricing structure.<br> Then in good faith they changed investors to [redacted].<br>We allow investor change for jumbo loans because the pricing structure is completely different by investor.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 408070362 | XXXX |  | 24751358 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | File is missing a copy of the lender's Loan Approval documentation. |  |  |  | Reviewer Comment (2022-01-13): Approval provided.<br>Buyer Comment (2022-01-12): see attached approval<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| XXXX | 408070211 | XXXX |  | 24824403 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Subject Hazard Insurance policy was not provided. Annual premium used is based on alternate documentation in file. Subject to review of actual hazard insurance policy and subject to additional exceptions. |  |  |  | Reviewer Comment (2022-02-10): Received and associated Hazard Insurance Policy. Exception Cleared.<br>Buyer Comment (2022-02-09): Please see attached [redacted] page.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070211 | XXXX |  | 24824404 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Subject property was qualified with $[redacted] in monthly HOA dues. Missing HOA verification documentation. |  |  |  | Reviewer Comment (2022-02-10): Received and associated HOA verification documentation. Exception Cleared.<br>Buyer Comment (2022-02-09): Please see attached HOA documentation for this property.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070163 | XXXX |  | 24824701 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations was older than [redacted] days when provided to borrower. | List updated [redacted]. |  |  |  | Buyer Comment (2022-01-28): We recognize this as a non material exception<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070163 | XXXX |  | 24824702 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-02-09): Documentation provided to evidence payoff of [redacted] Auto loan. Excluded the balance from the assets. Reserves still met.<br>Buyer Comment (2022-02-09): Please see the attached lien release for this [redacted] auto account, this confirms the account is paid in full and can be excluded from the debt ratio.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 408070163 | XXXX |  | 24824703 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [redacted]% and based on [redacted] of [redacted]% moderately exceed the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender excluded [redacted] Auto Finance payment and indicated debt was paid down to exclude. Evidence of paydown was not provided. |  |  |  | Reviewer Comment (2022-02-09): Documentation provided to evidence payoff of [redacted] Auto loan. Excluded the balance from the assets. Reserves still met.<br>Buyer Comment (2022-02-09): Please see the attached lien release for this [redacted] auto account, this confirms the account is paid in full and can be excluded from the debt ratio.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070163 | XXXX |  | 24824704 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Lender excluded [redacted] Auto Finance payment and indicated debt was paid down to exclude. No evidence of paydown provided. |  |  |  | Reviewer Comment (2022-02-09): Documentation provided to evidence payoff of [redacted] Auto loan. Excluded the balance from the assets. Reserves still met.<br>Buyer Comment (2022-02-09): Please see the attached lien release for this [redacted] auto account, this confirms the account is paid in full and can be excluded from the debt ratio.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070163 | XXXX |  | 24824705 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted]or more guideline components, the loan is at QM risk. | Lender excluded [redacted] Finance payment and indicated debt was paid down to exclude. No evidence of paydown provided. DTI exceeds guidelines. |  |  |  | Reviewer Comment (2022-02-09): Documentation provided to evidence payoff of [redacted] Auto loan. Excluded the balance from the assets. Reserves still met.<br>Buyer Comment (2022-02-09): Please see the attached lien release for this [redacted] auto account, this confirms the account is paid in full and can be excluded from the debt ratio.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 408070437 | XXXX |  | 24842399 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | File is missing the purchase agreement signed and dated by all parties to the transaction. |  |  |  | Reviewer Comment (2021-11-19): Received purchase contract signed and dated by all parties and associated the same. Exception cleared.<br>Buyer Comment (2021-11-18): contract<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| XXXX | 408070437 | XXXX |  | 24842401 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure provide on final CD |  |  |  | Reviewer Comment (2021-11-15): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| XXXX | 408070437 | XXXX |  | 24842402 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure provide on final CD |  |  |  | Reviewer Comment (2021-11-15): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| XXXX | 408070437 | XXXX |  | 24842403 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: County was not provided |  | Mortgage reflects the subject County as [redacted] however, the Legal Description, Title Commitment, Flood Certificate and both appraisals all verify the subject County is [redacted]. A corrected and executed Mortgage with the correct county along with a [redacted] affidavit of intent to re-record is required. |  |  |  | Reviewer Comment (2022-02-07): Amendment to Mortgage and Letter of Intent received , exception cleared.<br>Buyer Comment (2022-02-04): Please see the attached Amendment and Letter of Intent to record to clear this condition.<br>Reviewer Comment (2021-11-24): Both required. A corrected and executed Mortgage with the correct county as well as a [redacted] affidavit of intent to re-record is required. Exception remains.<br>Buyer Comment (2021-11-24): [redacted] affidavit alone clear condition or are both required?<br>Buyer Comment (2021-11-24): [redacted] clear condition or is corrective mortgage and [redacted] affidavit required?<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| XXXX | 408070424 | XXXX |  | 24842444 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify [redacted] years current employment. | File is missing evidence that a verbal or written employment verification was performed within [redacted] days of the Note date. |  |  |  | Reviewer Comment (2022-01-25): VVOE received to verify current employment. Exception cleared.<br>Buyer Comment (2022-01-24): VVOE / [redacted]<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Second Home | Purchase | B<br> A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| XXXX | 408070413 | XXXX |  | 24842519 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Subject Note is a Consolidated Note with a loan amount of $[redacted] for the subject refinance located in [redacted]. However, the Mortgage provided in the file verifies a loan amount of only $[redacted]. File is missing the consolidated mortgage for the full loan amount. |  |  |  | Reviewer Comment (2022-02-17): Received the mortgage with the full consolidated loan amount of $[redacted].<br>Buyer Comment (2022-02-16): collateral pkg<br>Buyer Comment (2022-02-16): attached, thanks.<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Refinance - Cash-out - Other | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3260123792 | XXXX |  | 33220579 |  | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | The file is missing [redacted]or more of the core documents required for a review. Please provide a Note, initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, final Title, and all issued LE's and CD's or TIL's, GFE's and HUD1's. |  |  |  | Reviewer Comment (2025-01-06): Additional documents provided.<br>Seller Comment (2024-12-26): Refute - Documents loaded to Box in Folder: "Exception Support: Incomplete Loan Images or File"<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> B<br> C<br> A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| XXXX | 3260123792 | XXXX |  | 33220581 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] business days prior to consummation | APR details not provided in initial [redacted] closing disclosure. |  |  |  | Reviewer Comment (2025-03-04): Client elected to waive<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | TRID timing exception, no remediation available.<br> D<br> B<br> C<br> A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| XXXX | 3260123792 | XXXX |  | 33220583 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  |  | 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 less than or equal to [redacted]%.<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-19): Client elects to waive with compensating factor.<br>|  |  | XXXX | 2<br> C<br> B |  | XXXX | Primary | Purchase | D<br> B<br> C<br> A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| XXXX | 3260161100 | XXXX |  | 33221258 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Escrow Waiver Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Escrow Waiver Fee was not disclosed on Loan Estimate. File does not contain a valid Changed of Circumstance for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2024-12-12): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure<br> A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| XXXX | 3260145353 | XXXX |  | 33508703 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| XXXX | 3260145353 | XXXX |  | 33508704 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [redacted] Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation. |  |  |  |  |  |  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| XXXX | 3260145353 | XXXX |  | 33508706 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Overtime Bonus Method of Calculation | Qualified Mortgage ([redacted]Significant income variation requires a period of more than [redacted]years when calculating the average Overtime/Bonus income. |  |  |  |  |  | XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| XXXX | 3260145353 | XXXX |  | 33508707 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Overtime Bonus Method of Calculation | Qualified Mortgage ([redacted]): Significant income variation requires a period of more than [redacted] years when calculating the average Overtime/Bonus income. |  |  |  |  |  | XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| XXXX | 3260145353 | XXXX |  | 33508708 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of [redacted]QM does not match Due Diligence Loan Designation of [redacted]. |  |  |  |  |  | XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| XXXX | 2107442790 | XXXX |  | 33508817 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a [redacted] . Citizen, and the guideline required documentation was not provided. | - | Missing co-borrower valid visa and employment authorization. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC | Reviewer Comment (2025-01-14): Client elects to waive with compensating factors.<br>|  |  | XXXX | 2<br> C<br> B |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 2107442790 | XXXX |  | 33508819 |  | 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 ___. | Guideline maximum loan amount is [redacted] | The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC | Reviewer Comment (2025-01-14): Client elects to waive with compensating factors.<br>|  |  | XXXX | 2<br> C<br> B |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3557164811 | XXXX |  | 34714513 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Page [redacted] of an appraisal was used for HOA dues for this property by the lender. The date on this doc states it was > [redacted] years prior to the subject lien. Please provide evidence of current HOA dues for this property. |  |  |  | Reviewer Comment (2025-09-11): HOA document available in file. Exception cleared.<br>Buyer Comment (2025-09-11): There is no date requirement/limit for the HOA verification on a non-subject property. Please review to clear this issue.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3569577415 | XXXX |  | 34714607 |  | 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 [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-09-19): [redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-09-18): Please see the attached internal screenshot showing that the LE dated<br> [redacted] was viewed/received by the borrower on [redacted]. Please be aware, '[redacted]' denotes the time the LE was viewed/received by the borrower<br> electronically.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3567598748 | XXXX |  | 34714668 |  | 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. |  |  |  |  | Buyer Comment (2025-09-19): Seller acknowledges exception, no change in grading<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3567598748 | XXXX |  | 34714670 |  | 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 [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-09-22): [redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-09-19): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, '[redacted]' denotes the time the LE was viewed/received by the borrower electronically.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3569162217 | XXXX |  | 34714823 |  | 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. |  |  |  |  |  | Buyer Comment (2025-09-29): seller accepts; no change to grading.<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300631 | XXXX |  | 34798751 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender cure of $[redacted] covered this excess. |  |  |  | Reviewer Comment (2021-06-24): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300639 | XXXX |  | 34798754 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Missing the Final Title Policy. |  |  |  | Reviewer Comment (2021-09-21): Received final title.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300639 | XXXX |  | 34798755 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Missing the Final Title Policy. |  |  |  | Reviewer Comment (2021-08-13): Final Title received and amount updated.<br>Seller Comment (2021-08-12): [redacted] [redacted]: Please see attached final title policy<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300639 | XXXX |  | 34798758 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  | Reviewer Comment (2022-02-25): Received copy of the post disaster inspection showing no damage.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300633 | XXXX |  | 34798760 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2021-08-26): AVM document attached and information updated<br>Seller Comment (2021-08-25): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300633 | XXXX |  | 34798762 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2022-02-25): Received copy of the post disaster inspection showing no damage.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300633 | XXXX |  | 34798763 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify.; Sec ID: [redacted] |  | AVM provided disclosed a value -[redacted]% below the appraised value. |  |  |  | Reviewer Comment (2022-06-23): Received a [redacted] desk review dated [redacted] that provided a value with a [redacted]% variance from the appraised value, value supported.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300633 | XXXX |  | 34798764 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> A<br> B |  | XXXX | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300701 | XXXX |  | 34798765 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the title evidence in file. |  |  |  | Reviewer Comment (2021-07-19): Final title provided.<br>Seller Comment (2021-07-19): [redacted] [redacted]: Please see attached final title policy.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300701 | XXXX |  | 34798766 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2021-09-21): Final received and input<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300701 | XXXX |  | 34798768 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] 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 (2021-06-30): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300701 | XXXX |  | 34798769 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Fee Amount of $[redacted] exceeds tolerance of $[redacted] on the LE. |  |  |  | Reviewer Comment (2021-06-30): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300636 | XXXX |  | 34798771 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Income documentation requirements were not provided. |  |  |  | Reviewer Comment (2021-10-22): Received the executed 4506-C as required per the AUS.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300636 | XXXX |  | 34798772 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - K-1 Less Than [redacted] Percent | General QM: Unable to verify current K-1 (Less tthan [redacted]% Ownership) status using reasonably reliable third-party records. | Signed returns or transcripts were not provided. |  |  |  | Reviewer Comment (2021-10-22): Received the executed 4506-C as required per the AUS.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300636 | XXXX |  | 34798773 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than [redacted] Percent | General QM: Unable to verify K-1 (Less tthan [redacted]% Ownership) income using reasonably reliable third-party records. | Signed returns or transcripts were not provided. |  |  |  | Reviewer Comment (2021-10-22): Received the executed 4506-C as required per the AUS.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300636 | XXXX |  | 34798774 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial CD sent on [redacted] not found in loan file. Was on disclosure summary. |  |  |  | Reviewer Comment (2021-08-25): Provided initial CD<br>Seller Comment (2021-08-23): [redacted]. All pages of the CD are now provided.<br>Reviewer Comment (2021-08-22): Provide all pages of Initial CD. Only front page of CD provided<br>Seller Comment (2021-08-18): [redacted]: Disagree. Please see attached CD and Disclosure History Docs.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300636 | XXXX |  | 34798775 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure provided. |  |  |  | Reviewer Comment (2021-07-06): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300636 | XXXX |  | 34798777 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing |  |  |  | Reviewer Comment (2021-09-07): Disclosure Tracking provided.<br>Seller Comment (2021-08-26): [redacted] [redacted] - Please see attached initial CD issued [redacted] and TRID document reflecting borrower consented to CD on [redacted].<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300636 | XXXX |  | 34798778 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2022-02-25): Received copy of the post disaster inspection showing no damage.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300705 | XXXX |  | 34798779 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | The only closing disclosures in file were dated [redacted], the same date as the note. No earlier closing disclosures are in file. |  |  |  | Reviewer Comment (2021-08-07): Provided initial CD and evidence of receipt<br>Seller Comment (2021-08-02): akw [redacted] The attached initial CD was issued on [redacted] via esign and mailbox rule was used which made the receipt on [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300705 | XXXX |  | 34798780 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $[redacted]. | No additional lender credit was provided for the [redacted] change. |  |  |  | Reviewer Comment (2021-08-12): COC for lock extension.<br>Seller Comment (2021-08-04): [redacted] [redacted] Disagree: On [redacted] the borrower requested a change in the rate which had an impact on pricing and was disclosed as $-[redacted] and a new CD was disclosed to the borrower. On wholesale loans, lock actions are acceptable changes of circumstance to update pricing. Later on [redacted] a [redacted]-day lock extension was added causing another hit on pricing with final pricing of $-[redacted] and a new CD was provided to the borrower. Please see attached CoC, CD, and Lock Confirmations.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300705 | XXXX |  | 34798782 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Lender credit of $[redacted] was provided. |  |  |  | Reviewer Comment (2021-08-03): [redacted] received cure of $[redacted] at closing which also covers Credit report cure of $[redacted] for the fee increased.<br>Buyer Comment (2021-08-02): akw [redacted] A tolerance credit of $[redacted] was given on the final CD for this.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300705 | XXXX |  | 34798784 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2021-08-12): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300637 | XXXX |  | 34798786 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Missing second apprasial. |  |  |  | Reviewer Comment (2022-04-12): See added exception #[redacted]. Based on receipt of the AVM, this validation was deleted when compliance was rerun. Exception cleared.<br>Seller Comment (2022-04-12): [redacted] [redacted]: Please see attached AVM in support of the OA value.<br>Reviewer Comment (2021-11-24): Unable to clear. Collateral UW Score listed on the UCDP reflects [redacted] This would require a secondary valuation. Rate/Term refinance overlay would not change the securitization on this file. Exception remains open.<br>Seller Comment (2021-11-24): [redacted] [redacted]: Please rescind. The [redacted] appraisal is not required per product overlays as the loan amount is less than $[redacted] on this purchase transaction.<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300637 | XXXX |  | 34798787 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Missing 442 . |  |  |  | Reviewer Comment (2021-10-01): Notice of Completion was provided. Exception cleared.<br>Buyer Comment (2021-10-01): [redacted] [redacted] [redacted]: Please rescind. Bulletin regarding this variance lists multiple options for satisfying completed work. "Lenders must also provide further evidence of completion, which may include photographs of the completed work,<br> paid invoices indicating completion, occupancy permits, or other substantially similar documentation." Guideline does not require additional documentation to what has been provided but says that it is acceptable to include.<br>Reviewer Comment (2021-09-30): Received lien document, insurance and guideline document however<br> Appraisal was made "subject to" and Form 1004D/442 was not provided. Exception remain<br>Seller Comment (2021-09-29): [redacted] [redacted] [redacted]: Please rescind. Loan had closed prior to [redacted] so obligations relating to Form 1004-D were still under guidelines in [redacted] [redacted] [redacted]. Essentially this means that when an appraisal comes back for new construction as being subject to completion of build, lender is able to accept certification of completion in lieu of 1004-D. Certification is in file and attached here for ease of review, along with copy of lender letter. Please let us know if there's anything else we can assist with. Thank you!<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300637 | XXXX |  | 34798788 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Need [redacted] Tax Returns . |  |  |  | Reviewer Comment (2021-08-21): Itemization of amount financed provided<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300637 | XXXX |  | 34798789 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. |  |  |  | Reviewer Comment (2021-08-21): Itemization of amount financed provided<br>Seller Comment (2021-08-18): akw [redacted] See attached Itemization of Settlement Fees and Charges showing that $[redacted] of the discount points was paid by seller concessions as well as the QM Breakdown previously attached. Thus, the loan passes QM.<br>Buyer Comment (2021-08-18): akw [redacted] The buydown is [redacted] bp so please clear this finding.<br>Reviewer Comment (2021-08-17): Based on an undiscounted rate of [redacted]%, Discount points are ineligible for exclusion<br>Seller Comment (2021-08-16): [redacted] [redacted] - See attached passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [redacted]% higher than APOR which allows for [redacted]% bonafide discount to be applied. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage. This is calculated as:<br> $[redacted]- $[redacted]= $[redacted]/ $[redacted]= [redacted]%<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300637 | XXXX |  | 34798790 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). |  |  |  |  | Reviewer Comment (2021-08-21): Itemization of amount financed provided<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300637 | XXXX |  | 34798792 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2021-08-02): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300637 | XXXX |  | 34798793 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet [redacted] criteria.; Sec ID: [redacted] |  | The AVM value of $[redacted] is [redacted]% less than the value used in qualification; the maximum variance is [redacted]%. Please provide a [redacted] appraisal, CDA, or field review that supports $[redacted]. |  |  |  | Reviewer Comment (2022-05-10): Provided field review<br>Seller Comment (2022-05-09): [redacted] [redacted]: Please see attached [redacted] party field review, confirming value of $[redacted].<br>Reviewer Comment (2022-04-13): The value of $[redacted] is not supported.<br>Buyer Comment (2022-04-13): [redacted] - [redacted]: Please see appraisal valued at $[redacted].<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300637 | XXXX |  | 34798794 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> A<br> B |  | XXXX | Primary | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300642 | XXXX |  | 34798798 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Dwelling coverage of $[redacted] is less than estimated cost new of $[redacted]. A replacement cost estimator was not provided. |  |  |  | Reviewer Comment (2021-06-25): Extended coverage added, exception cleared.<br>Seller Comment (2021-06-21): Current coverage show $[redacted] Dwelling + $[redacted] Hurricane and Replacement cost up to $[redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300642 | XXXX |  | 34798799 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The loan file did not contain mortgage statement providing evidence that tax and insurance was included in the monthly obligation. |  |  |  | Reviewer Comment (2021-06-15): Document provided in trailing to verify REO expenses, exception cleared.<br>Seller Comment (2021-05-28): Please see attached REO information.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300700 | XXXX |  | 34798800 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees [redacted] Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. (Points and Fees testing limited to Borrower paid fees.) | Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. (Points and Fees testing limited to Borrower paid fees.) (Final/[redacted]) |  |  |  | Reviewer Comment (2021-08-05): Lender provided Seller CD.<br>Seller Comment (2021-07-22): [redacted] [redacted] Disagree: Please see attached seller CD<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300700 | XXXX |  | 34798802 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2021-10-14): Replacement Cost Estimator received.<br>Seller Comment (2021-10-13): [redacted] [redacted] please rescind, RCE is included with the policy<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300700 | XXXX |  | 34798803 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2021-09-17): Received Title Commitment with the updated amount, Exception Cleared.<br>Seller Comment (2021-09-17): [redacted] [redacted] please see attached, please clear thank you<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300700 | XXXX |  | 34798804 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  | Reviewer Comment (2021-09-07): PDI provided Exception Cleared<br>Seller Comment (2021-09-07): PDI<br>| XXXX |  |  | 1<br> C<br> A<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300700 | XXXX |  | 34798805 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] years. | Please provide [redacted] Business returns all pages all schedules Recovery [redacted]. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>Reviewer Comment (2021-08-02): Most recent Business returns are required as per Appendix [redacted] . Please provide [redacted] Business returns all pages all schedules Recovery [redacted].<br>Seller Comment (2021-08-02): Please see link from [redacted] guidelines: [redacted]<br> This shows [redacted] does not have different dates for personal and business, so business returns would follow the same guidance as personal returns and were not yet required for [redacted]. See attached signed 4506-C.<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300702 | XXXX |  | 34798809 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $[redacted]. | No cure or change of circumstance disclosure provided for reduction in Lender Credit. |  |  |  | Reviewer Comment (2021-07-30): Received the LE dated [redacted] and the rate lock. Exception has been cleared.<br>Seller Comment (2021-07-19): akw [redacted] Please see attached [redacted] LE.<br>Reviewer Comment (2021-07-02): The current loan file shows no corresponding disclosure to the [redacted] rate lock. Please provide any relevant CD, or LE required for this transaction.<br>Seller Comment (2021-06-17): [redacted][redacted]sagree - Initial LE had a floating rate. See attached lock confirmation with final pricing.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300702 | XXXX |  | 34798811 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | No cure or change of circumstance disclosure provided for increase in Transfer Tax. |  |  |  | Reviewer Comment (2021-07-23): [redacted] Received PCCD, LOE, Refund Check<br>Seller Comment (2021-07-22): [redacted] [redacted] Agree - See attached refund check for $[redacted], LOX, [redacted], and PCCD<br>|  | XXXX |  | 2<br> C<br> B |  | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300702 | XXXX |  | 34798812 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | AUS requires assets to be documented with [redacted] months bank statements; only [redacted] month provided. |  |  |  | Reviewer Comment (2021-07-15): Reserves are not required.<br>Seller Comment (2021-06-16): [redacted] [redacted]: Please see attached pages [redacted] for [redacted] statement and pages [redacted] for [redacted] statement. [redacted] months PITI in reserves is not required, please see attached AUS and overlays.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300704 | XXXX |  | 34798813 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ |  |  |  |  | Reviewer Comment (2021-07-23): [redacted] months statement in file for [redacted]#[redacted], exception cleared<br>Seller Comment (2021-07-22): [redacted] [redacted] Please see attached asset statement for asset account [redacted]#[redacted]used in the file<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300704 | XXXX |  | 34798814 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | Please provided deposit receipt or other evidence for EMD. Bank withdrawal for $[redacted] (same as EMD) was [redacted] but contract not signed until [redacted]. |  |  |  | Reviewer Comment (2021-10-14): cleared<br>Seller Comment (2021-10-13): [redacted] [redacted] [redacted] highlighted is the part of the guideline that shows that large deposits can be backed out for qualifying purposes. In this case, the EMD was backed out of available assets and as such verification of the EMD is not required.<br>Reviewer Comment (2021-09-03): Cancelled Checks or wire confirmation would be required as an evidence for EMD. Condition Remains.<br>Seller Comment (2021-09-03): [redacted] [redacted][redacted]: Per previous summited guideline UW backed (LESS $[redacted] transferred to #[redacted] on [redacted]; LESS $[redacted] transfer from #[redacted] on [redacted] from unsourced funds; LESS $[redacted] EMD) out EMD from assets and used the difference of [redacted] for underwriting purposes.<br>Reviewer Comment (2021-08-17): Received Bank statements are already in file however required latest documents and cancelled check(s) hence Exception remains same.<br>Seller Comment (2021-08-17): [redacted][redacted]: Please see attached assets are more than enough to have backed out the [redacted] EMD amount.<br>Reviewer Comment (2021-07-23): Exception remains, there is account mismatch for EMD amount withdrawal , borrower as given a/c [redacted]<br>Seller Comment (2021-07-22): [redacted][redacted] Please see attached guideline for removing the large deposit (EMD) from the balance of sufficient asset account [redacted]#[redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300704 | XXXX |  | 34798820 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2021-09-05): Receievd Bank Statement<br>Seller Comment (2021-09-03): [redacted] [redacted] [redacted]: Per previous summited guideline UW backed (LESS $[redacted] transferred to #[redacted] on [redacted]; LESS $[redacted] transfer from #[redacted] on [redacted] from unsourced funds; LESS $[redacted] EMD) out EMD from assets and used the difference of [redacted] for underwriting purposes.<br>Reviewer Comment (2021-08-17): Received Bank statements are already in file however required latest documents and cancelled check(s) hence Exception remains same.<br>Seller Comment (2021-08-17): [redacted] [redacted]: Please see attached assets are more than enough to have backed out the [redacted] EMD amount.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300704 | XXXX |  | 34798821 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan fails SHQM testing due to missing documentation |  |  |  | Reviewer Comment (2021-09-05): Receievd Bank Statement<br>Buyer Comment (2021-09-03): [redacted] [redacted][redacted]: Per previous post should have the necessary documentation to pass testing.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300622 | XXXX |  | 34798826 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Fee of $[redacted] exceeds tolerance of $[redacted] . Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2021-08-09): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300622 | XXXX |  | 34798828 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history not documented per guidelines. |  |  |  | Reviewer Comment (2021-08-29): [redacted] does not require.<br>Buyer Comment (2021-08-27): [redacted][redacted]: Please rescind. The borrower is purchasing a primary residence and does not require a verification of rent due to vacating the property and no longer having the rent as an expense.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300625 | XXXX |  | 34798829 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | The [redacted] LE's in the file are both issued [redacted]. |  |  |  | Reviewer Comment (2021-08-25): Initial LE provided.<br>Seller Comment (2021-08-25): [redacted] [redacted] Disagree. Please see attached Loan App and Loan estimate issued and signed on [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300625 | XXXX |  | 34798833 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<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>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.<br>The representative FICO score is above [redacted]. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2021-09-10): Client acknowledged based on a disaster inspection dated [redacted] showing no damage<br>Seller Comment (2021-09-10): PDI<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300711 | XXXX |  | 34798835 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  |  |  |  |  | Reviewer Comment (2021-09-22): Gift letter received and attached, exception cleared.<br>Seller Comment (2021-09-21): [redacted] [redacted]: Please see attached gift letter. Gift letter can have a gift amount greater than the actual gift.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300711 | XXXX |  | 34798837 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2021-08-20): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300628 | XXXX |  | 34798841 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] | [redacted] Predatory Lending Database Program ([redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Anti-Predatory disclosure not found in file |  |  |  | Reviewer Comment (2021-09-16): Provided [redacted] cert<br>Seller Comment (2021-09-16): [redacted][redacted] Please see attached [redacted] Predatory Lending Database Program Certificate of Compliance.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300628 | XXXX |  | 34798843 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] Percent Fee Tolerance exceeded due to increase in Recording Fee. Cure was provided at closing. |  |  |  | Reviewer Comment (2021-08-13): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300628 | XXXX |  | 34798844 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Fee disclosed as $[redacted] in Initial LE and disclosed as $[redacted] in Final CD. No valid COC in file. Cure was provided at closing. |  |  |  | Reviewer Comment (2021-08-13): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300629 | XXXX |  | 34798846 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | No valid change of circumstance provided for increase of loan origination $[redacted] from LE dated [redacted] to CD dated [redacted]. |  |  |  | Reviewer Comment (2021-08-25): [redacted] Received LE date [redacted] and COC Dated [redacted] therefore no cure require.<br>Seller Comment (2021-08-25): [redacted][redacted] Disagree: On [redacted] there was a CoC submitted to change the compensation plan from lender paid to borrower-paid causing the originator compensation to increase $[redacted] and a new LE was disclosed to the borrower. Please see attached CoC and LE.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300629 | XXXX |  | 34798849 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  | Reviewer Comment (2022-06-27): Received copy of the post disaster inspection showing no damage.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300626 | XXXX |  | 34798850 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-04-08): Received [redacted] exterior only appraisal issued [redacted] which reflects a -[redacted]% variance from the appraised value. Value is supported.<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300626 | XXXX |  | 34798852 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2021-08-25): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300626 | XXXX |  | 34798853 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided |  | Notary date not present, estimated consummation date used for testing purposes. Page [redacted] of [redacted](Notary Page) was not provided in the Loan file. |  |  |  | Reviewer Comment (2021-12-02): Page [redacted] of [redacted] of the Security Agreement was provided. It includes the notary information.<br>Seller Comment (2021-12-02): [redacted] [redacted] See attachment<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | D<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300708 | XXXX |  | 34798857 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure provided at closing. |  |  |  | Reviewer Comment (2021-08-23): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300612 | XXXX |  | 34798863 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 lender provided a cure of $[redacted] at closing. |  |  |  | Reviewer Comment (2021-09-07): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300612 | XXXX |  | 34798864 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A fully executed copy of the Employment Contract was not provided. An email printout of the acceptance in file but a full copy of the Employment Contract or paystub is required. |  |  |  | Reviewer Comment (2021-11-22): Cleared paystub provided.<br>Seller Comment (2021-11-18): [redacted] [redacted] [redacted] - Please rescind. Attached is the paystub from the new employer.<br>Seller Comment (2021-11-17): [redacted] [redacted] [redacted] - Please rescind. See attached last paystub from previous employer and offer letter from new employer.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300718 | XXXX |  | 34798868 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | No valid C.O.C. or cure for borrower provided. |  |  |  | Reviewer Comment (2021-09-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300718 | XXXX |  | 34798870 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  |  |  |  |  | Reviewer Comment (2021-10-05): [redacted] assets are not used for funds to close hence no additional statement required to a/c-[redacted], [redacted] , Exception cleared<br>Buyer Comment (2021-10-04): [redacted] - [redacted] [redacted]: [redacted] assets are not being used for funds to close (only using net proceeds). No additional documentation required.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300718 | XXXX |  | 34798871 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Final Executed Settlement Statement/Hud-1 from the sale of the [redacted] property was not provided as required. |  |  |  | Reviewer Comment (2021-11-05): Received Closing statement singed with certified true and correct copy. Exception Cleared<br>Seller Comment (2021-10-29): [redacted] [redacted] - Attached is the final settlement statement. The investor requirement is the be provided the final statement, it does not need to be signed.<br>Reviewer Comment (2021-10-28): Fully Executed Final Settlement statement not received Exception Remains<br>Seller Comment (2021-10-27): [redacted] [redacted] - Attached is the settlement statement for the property located on [redacted] Street.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300718 | XXXX |  | 34798872 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-01-03): Field Review supporting the appraised value provided.<br>Seller Comment (2022-01-03): [redacted]<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300717 | XXXX |  | 34798873 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI variance due to rental income used at the time of approval differs from income verified via 1040 Schedule [redacted] and/or final application. Rental income of $[redacted] used to qualify is not supported. |  |  |  | Reviewer Comment (2021-10-08): Received [redacted] months history for the [redacted] bank debt which has been paid of from business account. Exception cleared.<br>Seller Comment (2021-10-06): [redacted] [redacted] [redacted]: Please rescind. Liability with [redacted] Bank was excluded as paid by business. [redacted] [redacted] stipulates that if debt is to be excluded as paid by the business, lender must obtain [redacted] month history of debt being paid on time and verification that the debt is accounted for in the business accounting. Attached documents will show 1) [redacted] month history of debt being paid by business account of [redacted] 2) Page pulled from [redacted] tax returns showing car payment accounted for, and 3) [redacted] Guideline to support. Thank you!<br>Reviewer Comment (2021-10-06): Reason for DTI increased As per the DU document underwriter does not include the monthly payment $[redacted] for DTI calculation.<br>As per the final 1003 document Creditor Name [redacted] Bank Installment Monthly Payment $[redacted] declared however for DTI calculation does not included that amount, Please confirm excluded reason and if paid before closing please provide the proof, Exception remains.<br>Seller Comment (2021-10-05): [redacted] [redacted] [redacted]: Please rescind. Lease agreement for property at [redacted] [redacted] [redacted] Avenue is attached. Property [redacted] [redacted] [redacted] is subject and is a primary so no rental income would be derived from that property. Thank you!<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300717 | XXXX |  | 34798875 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan is waterfalling to the loan designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2021-10-18): File is cleared of QM (APOR) fail with signed and dated tax return provided.<br>Buyer Comment (2021-10-15): [redacted]- [redacted] [redacted]. Please rescind or escalate to leadership. QM requirements were retired [redacted]. We meet the guidance for [redacted]. Please see other stips.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300717 | XXXX |  | 34798876 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO Schedule [redacted] Method | General QM: Unable to verify Real Estate Owned income (Schedule [redacted] Method). File does not contain most recent year Tax Transcripts, signed and dated 1040's or Schedule [redacted]. | Most recent year's tax return ([redacted]) is not signed and dated. |  |  |  | Reviewer Comment (2021-10-18): Signed and dated return has been provided. Condition cleared.<br>Buyer Comment (2021-10-15): [redacted]- [redacted]. Please rescind or escalate to leadership. QM requirements were retired [redacted]. We meet the guidance for [redacted].<br>Reviewer Comment (2021-10-08): Loan is a qualified mortgage and as per Appendix [redacted] requirement we would require signed and dated 1040 with all the schedule for the recent year [redacted].Exception remains.<br>Seller Comment (2021-10-05): [redacted] [redacted] [redacted]: Please rescind. [redacted] guideline [redacted] allow lenders to utilize signed 4506C forms in lieu of tax transcripts. 4506C form is attached. Thank you!<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300717 | XXXX |  | 34798878 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted]or more guideline components, the loan is at QM risk. | Loan is at QM risk due to missing income documentation. |  |  |  | Reviewer Comment (2021-10-18): Signed and dated letter from CPA used as proof tax returns have been submitted with signature and dated by borrower.<br>Buyer Comment (2021-10-15): [redacted]- [redacted] [redacted]. Please rescind or escalate to leadership. QM requirements were retired [redacted]. We meet the guidance for [redacted].<br>Reviewer Comment (2021-10-08): Loan is a qualified mortgage and as per Appendix [redacted] requirement we would require signed and dated 1040 with all the schedule for the recent year [redacted].Exception remains.<br>Buyer Comment (2021-10-06): [redacted] [redacted][redacted]: Please rescind. Previous exclusion was satisfied as lease for income derived from rental property has been provided. If additional income documentation is required, please clarify. Thank you!<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300717 | XXXX |  | 34798881 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Lease agreement is missing to verify Rental income of $[redacted] was used to qualify for [redacted]. |  |  |  | Reviewer Comment (2021-10-06): [redacted] [redacted] [redacted] is Subject property which is purchase primary. So, there is no rental income derived from this property. Hence exception cleared.<br>Seller Comment (2021-10-05): [redacted] [redacted] [redacted]: Please rescind. Lease agreement for property at [redacted] [redacted] [redacted] [redacted] is attached. Property [redacted] [redacted] [redacted] is subject and is a primary so no rental income would be derived from that property. Thank you!<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300606 | XXXX |  | 34798883 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2021-11-17): Short Form final Title received and input<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300606 | XXXX |  | 34798884 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2021-09-29): Final Title Policy provided reflecting Note amount of $[redacted]. Exception cleared.<br>Seller Comment (2021-09-28): [redacted] [redacted] please see attached, please see clear<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300594 | XXXX |  | 34798888 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2021-11-19): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300601 | XXXX |  | 34798890 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] 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. | Sufficient cure provided. |  |  |  | Reviewer Comment (2021-11-02): Sufficient Cure Provided within [redacted] Days of Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | 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)<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300722 | XXXX |  | 34798891 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  | Reviewer Comment (2021-10-13): PDI provided Exception Cleared<br>Seller Comment (2021-10-12): PDI<br>| XXXX |  |  | 1<br> C<br> A<br> B |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300722 | XXXX |  | 34798893 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $[redacted] | COC for the lender credit occurred post close. |  |  |  | Reviewer Comment (2021-10-14): Cure provided at consummation.<br>Seller Comment (2021-10-13): [redacted] [redacted]: On wholesale loans, lock actions are acceptable changes of circumstance to update pricing. On [redacted] there was a relock done which caused a hit in pricing bringing it to $-[redacted] and the borrower was reimbursed by tolerance being taken out of the broker's check. Broker compensation was $[redacted] minus $[redacted] tolerance cure reflected on CD is the broker compensation per the Final Settlement Statement of $[redacted]. Please see attached CD, Final Settlement Statement, and Lock Confirmation.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300720 | XXXX |  | 34798897 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] 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. | Sufficient cure provided. |  |  |  | Reviewer Comment (2021-11-22): Sufficient Cure Provided within [redacted] Days of Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | 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)<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300716 | XXXX |  | 34798898 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] years. | [redacted] [redacted] received for [redacted] business is not signed and dated by borrower; missing audited YTD P&L and/or [redacted] [redacted] + K1 |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300716 | XXXX |  | 34798899 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] years. | [redacted] [redacted] received for [redacted] business is not signed and dated by borrower; missing audited YTD P&L and/or [redacted] [redacted] + K1 |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300716 | XXXX |  | 34798901 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] years. |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300723 | XXXX |  | 34798903 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Fees and Points exceed [redacted]% of loan. Unable to determine if Points paid to reduce rate. |  |  |  | Reviewer Comment (2021-10-13): Loan is SHQM (APOR)<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300723 | XXXX |  | 34798904 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Fees and Points exceed [redacted]% of loan. Unable to determine if Points paid to reduce rate. |  |  |  | Reviewer Comment (2021-10-13): Seller Credit applied to Loan Discount per Itemization.<br>Reviewer Comment (2021-09-29): Bona Fide Worksheet provided. It appears the lender is excluding the same amount of discount points in the calculation. Even with the exclusion of the eligible discount points, the points and fees still exceed the QM [redacted]% limit.<br>Seller Comment (2021-09-23): [redacted] [redacted] - See attached passing QM and itemization of seller paid fees. $[redacted] of discount points is removed from QM test due to being seller paid. Also, [redacted]% bonafide can be applied so an additional $[redacted] of discount is bonafide. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage. This is calculated as:<br> $[redacted]- $[redacted] = $[redacted]/ $[redacted]= [redacted]%<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300723 | XXXX |  | 34798906 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Appraisal shows Broker as Lender. Missing Appraisal Transfer Letter. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300599 | XXXX |  | 34798909 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Unable to identify/document this amount in the loan file. All documented costs appear to be escrowed. |  |  |  | Reviewer Comment (2022-04-27): [redacted] Received PCCD and LOE.<br>Seller Comment (2022-04-27): [redacted] [redacted] - See attached PCCD, LOE, and [redacted] label<br>|  |  |  | 2<br> C<br> B |  | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300599 | XXXX |  | 34798911 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation mismatch due to DTI being slightly greater than max DTI. |  |  |  | Reviewer Comment (2022-04-27): [redacted] was provided an updated AUS.<br>Buyer Comment (2022-04-27): [redacted] [redacted] : Please see AUS with the payments for loans ending [redacted]and [redacted] included in the ratio.<br>Reviewer Comment (2022-04-27): As per AUS these accounts #[redacted], #[redacted], #[redacted] are omitted. As sellers states that these accounts are paid by [redacted] and [redacted]. The file has [redacted] consecutive months payment history for Student loan #[redacted], showing payment is made by Non-borrower ([redacted]), hence excluded from DTI calculation. However for student loan #[redacted] and #[redacted], [redacted] Consecutive months payment history is not provided. (Note: Payment history for [redacted] is missing). Please provide supporting documentation for missing payments or provide updated AUS with current DTI of [redacted]% - Exception Remains.<br>Buyer Comment (2022-04-26): [redacted] [redacted]: Please rescind. Evidence of debt paid by others was delivered in the loan package. [redacted] (non-borrower) and [redacted] (non-borrower) pay for [redacted] Student Loans [redacted], [redacted], and [redacted]. If other discrepancies with credit liabilities exist, please provide clarification. DTI remains eligible as delivered.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300599 | XXXX |  | 34798912 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Credit debt is greater than what the lender used. Explanation/justification for exclusion of debts not provided. |  |  |  | Reviewer Comment (2022-04-27): [redacted] consecutive months payment history Student loan #[redacted] received, showing payment is made by Non-borrower ([redacted]), Hence this Payment is excluded and current DTI is [redacted]% which is within guideline ([redacted]%). Hence Exception Cleared.<br>Buyer Comment (2022-04-26): [redacted] [redacted]: Please rescind. Evidence of debt paid by others was delivered in the loan package. [redacted](non-borrower) and [redacted] (non-borrower) pay for [redacted] Student Loans [redacted], [redacted], and [redacted]. If other discrepancies with credit liabilities exist, please provide clarification. DTI remains eligible as delivered.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300599 | XXXX |  | 34798913 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lender used lower amount for credit debt than verified. Explanation/justification for exclusion of debts not provided. |  |  |  | Reviewer Comment (2022-04-27): [redacted] was provided an updated AUS.<br>Seller Comment (2022-04-27): [redacted] [redacted]: Please see AUS with the payments for loans ending [redacted]and [redacted]included in the ratio.<br>Reviewer Comment (2022-04-27): As per AUS these accounts #[redacted], #[redacted], #[redacted]are omitted. As sellers states that these accounts are paid by [redacted] and [redacted]. The file has [redacted] consecutive months payment history for Student loan #[redacted], showing payment is made by Non-borrower ([redacted]), hence excluded from DTI calculation. However for student loan #[redacted] and #[redacted], [redacted] Consecutive months payment history is not provided. (Note: Payment history for [redacted] is missing). Please provide supporting documentation for missing payments or provide updated AUS with current DTI of [redacted]% - Exception Remains.<br>Buyer Comment (2022-04-26): [redacted] [redacted]: Please rescind. Evidence of debt paid by others was delivered in the loan package. [redacted](non-borrower) and [redacted] (non-borrower) pay for [redacted] Student Loans [redacted], [redacted], and [redacted]. If other discrepancies with credit liabilities exist, please provide clarification.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300599 | XXXX |  | 34798914 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI is higher because of lower amount of credit debt used by lender. Explanation/justification for exclusion of debts not provided. |  |  |  | Reviewer Comment (2022-04-27): [redacted] consecutive months payment history Student loan #[redacted] received, showing payment is made by Non-borrower ([redacted]), Hence this Payment is excluded and current DTI is [redacted]% which is within guideline ([redacted]%). Hence Exception Cleared.<br>Buyer Comment (2022-04-26): [redacted] [redacted]: Please rescind. Evidence of debt paid by others was delivered in the loan package. [redacted] (non-borrower) and [redacted] (non-borrower) pay for [redacted] Student Loans [redacted], [redacted], and [redacted]. If other discrepancies with credit liabilities exist, please provide clarification. DTI remains eligible as delivered.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300599 | XXXX |  | 34798915 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted]or more guideline components, the loan is at QM risk. | DTI ratio greater than max due to lender used lower amount for debt than verified. |  |  |  | Reviewer Comment (2022-04-27): [redacted] was provided an updated AUS.<br>Buyer Comment (2022-04-27): [redacted] [redacted]: Please see AUS with the payments for loans ending [redacted] and [redacted] included in the ratio.<br>Reviewer Comment (2022-04-27): As per AUS these accounts #[redacted], #[redacted], #[redacted]are omitted. As sellers states that these accounts are paid by [redacted] and [redacted]. The file has [redacted] consecutive months payment history for Student loan #[redacted], showing payment is made by Non-borrower ([redacted]), hence excluded from DTI calculation. However for student loan #[redacted]and #[redacted], [redacted] Consecutive months payment history is not provided. (Note: Payment history for [redacted] is missing). Please provide supporting documentation for missing payments or provide updated AUS with current DTI of [redacted]% - Exception Remains.<br>Buyer Comment (2022-04-26): [redacted] [redacted]: Please rescind. Evidence of debt paid by others was delivered in the loan package. [redacted] (non-borrower) and [redacted] (non-borrower) pay for [redacted] Student Loans [redacted], [redacted], and [redacted]. If other discrepancies with credit liabilities exist, please provide clarification. DTI remains eligible as delivered.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300587 | XXXX |  | 34798917 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2021-12-03): Rec'd AVM supporting the value<br>Seller Comment (2021-12-03): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Refinance - Rate/Term | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300726 | XXXX |  | 34798920 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Recording Service Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-11-22): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300726 | XXXX |  | 34798921 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Lenders Coverage Premium. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Lender's Coverage Premium was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-11-22): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300726 | XXXX |  | 34798922 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Settlement/Closing/Escrow Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-11-22): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300726 | XXXX |  | 34798923 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | 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 a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2021-11-29): Provided Final Title Policy amount $[redacted] matches to note amount. - Exception cleared<br>Seller Comment (2021-11-24): [redacted] [redacted]: Please see attached final title policy.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300600 | XXXX |  | 34798927 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. |  | Final 1003 reflects yes to applying for a mortgage on another property with no information in file. |  |  |  | Reviewer Comment (2021-12-08): Received the Final CD from sale of [redacted] #[redacted]. Exception has cleared.<br>Seller Comment (2021-12-08): [redacted] - [redacted] [redacted] - Please rescind. 1003 was marked as such in order to document [redacted]loan. Please see attached final CD.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300600 | XXXX |  | 34798928 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Added the PITI for [redacted]. Please provide an updated 1003, 1008 and AUS reflecting the addition of the property and the update to the DTI of [redacted]%. |  |  |  | Reviewer Comment (2021-12-22): Provided updated 1008, 1003 and AUS include expenses for property [redacted] #[redacted] with matching DTI. Exception Cleared.<br>Seller Comment (2021-12-21): [redacted] [redacted]: Please see 1003, 1008, AUS and PITIA documentation.<br>Reviewer Comment (2021-12-16): Updated 1003, 1008 and AUS including the addition of the property [redacted] #[redacted]. not received As the PITI of this property was not disclosed at closing hence exception remains<br>Seller Comment (2021-12-15): [redacted] [redacted]: Please rescind. The purchase agreement for the property located at [redacted] was executed on [redacted]. Our transaction closed on [redacted]. There was not PITI to include at the time of closing.<br>Reviewer Comment (2021-12-09): Unable to clear. Loan was in process when subject loan closed. PITI should have been disclosed prior to closing. Exception remains open.<br>Seller Comment (2021-12-09): [redacted] [redacted]: Please rescind. The closing for the REO located at [redacted] was [redacted]. This occurred after the closing for our subject property of [redacted] and is not required to be added to the DTI.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300600 | XXXX |  | 34798929 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Added the PITI for [redacted]. Please provide an updated 1003, 1008 and AUS reflecting the addition of the property and the update to the DTI of [redacted]%. |  |  |  | Reviewer Comment (2021-12-22): Provided updated 1008, 1003 and AUS include expenses for property [redacted] #[redacted] with matching DTI. Exception Cleared.<br>Seller Comment (2021-12-21): [redacted] [redacted]: Please see 1003, 1008, AUS and PITIA documentation.<br>Reviewer Comment (2021-12-16): Updated 1003, 1008 and AUS including the addition of the property [redacted] #[redacted]. not received As the PITI of this property was not disclosed at closing hence exception remains<br>Seller Comment (2021-12-15): [redacted] [redacted]: Please rescind. The purchase agreement for the property located at [redacted] was executed on [redacted]. Our transaction closed on [redacted]. There was not PITI to include at the time of closing.<br>Reviewer Comment (2021-12-09): Unable to clear. Loan was in process when subject loan closed. PITI should have been disclosed prior to closing. Exception remains open.<br>Seller Comment (2021-12-09): [redacted] [redacted]: Please rescind. The closing for the REO located at [redacted] was [redacted]. This occurred after the closing for our subject property of [redacted] and is not required to be added to the DTI.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300600 | XXXX |  | 34798930 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted]or more guideline components, the loan is at QM risk. | Added the PITI for [redacted]. Please provide an updated 1003, 1008 and AUS reflecting the addition of the property and the update to the DTI of [redacted]%. |  |  |  | Reviewer Comment (2021-12-22): Provided updated 1008, 1003 and AUS include expenses for property [redacted] #[redacted] with matching DTI. Exception Cleared.<br>Seller Comment (2021-12-21): [redacted] [redacted]: Please see 1003, 1008, AUS and PITIA documentation.<br>Reviewer Comment (2021-12-16): Updated 1003, 1008 and AUS including the addition of the property [redacted] #[redacted]. not received As the PITI of this property was not disclosed at closing hence exception remains<br>Seller Comment (2021-12-15): [redacted] [redacted]: Please rescind. The purchase agreement for the property located at [redacted] was executed on [redacted]. Our transaction closed on [redacted]. There was not PITI to include at the time of closing.<br>Reviewer Comment (2021-12-09): Unable to clear. Loan was in process when subject loan closed. PITI should have been disclosed prior to closing. Exception remains open.<br>Seller Comment (2021-12-09): [redacted] [redacted]: Please rescind. The closing for the REO located at [redacted] was [redacted]. This occurred after the closing for our subject property of [redacted] and is not required to be added to the DTI.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300600 | XXXX |  | 34798931 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance documentation for REO property [redacted] is missing in file. |  |  |  | Reviewer Comment (2021-12-22): Received the insurance verification<br>Seller Comment (2021-12-22): [redacted] [redacted]: Please see attached HOI policy.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300583 | XXXX |  | 34798933 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Please provide [redacted]months [redacted] bank statement with Account no ending [redacted] |  |  |  | Reviewer Comment (2021-12-17): Loan is underwritten to [redacted]. [redacted] is provided and associated. [redacted] month statement needed. Exception Cleared.<br>Seller Comment (2021-12-16): [redacted] [redacted]: Please see [redacted] findings. Only [redacted] month of statements are needed.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300582 | XXXX |  | 34798939 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | no cure was provided for this fee |  |  |  | Reviewer Comment (2021-12-22): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300589 | XXXX |  | 34798941 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2021-12-08): Received updated title commitment.<br>Seller Comment (2021-12-08): [redacted] [redacted] See attachment<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300589 | XXXX |  | 34798944 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2021-12-07): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300589 | XXXX |  | 34798945 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] years. |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300580 | XXXX |  | 34798948 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The loan designation is Safe Harbor QM (APOR). |  |  |  | Reviewer Comment (2022-01-05): The par rate was corrected to match the lender's documentation. This exception was deleted when compliance was rerun, accordingly. Exception cleared.<br>Seller Comment (2022-01-04): [redacted] [redacted] Please see attached Correspondent Discount Point Disclosure showing the par rate was [redacted]%.<br>Reviewer Comment (2021-12-27): Based on the undiscounted rate of [redacted]% provided, Discount Points are ineligible for exclusion. Exception remains open.<br>Buyer Comment (2021-12-23): [redacted] [redacted]: See the points and fees condition remedy.<br>Reviewer Comment (2021-12-23): Unable to clear. Exception is due to the QM Points and Fees. Undiscounted Rate of [redacted]% with an undiscounted rate price exceeds the [redacted]% tolerance. Exception remains open.<br>Seller Comment (2021-12-23): [redacted] [redacted]: Please see the attached.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300580 | XXXX |  | 34798949 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | The points and fees on the subject loan is in excess due to the lender fees exceeding the [redacted]% threshold. |  |  |  | Reviewer Comment (2022-01-05): The par rate was corrected to match the lender's documentation. This exception was deleted when compliance was rerun, accordingly. Exception cleared.<br>Seller Comment (2022-01-04): [redacted] [redacted] Please see attached Correspondent Discount Point Disclosure showing the par rate was [redacted]%.<br>Reviewer Comment (2021-12-30): Both the par rate and seller concessions were applied per the [redacted] QM breakdown. However, the par rate was [redacted]% and the note rate was [redacted]%. Therefore, the fees are not considered bona-fide. Exception remains.<br>Buyer Comment (2021-12-29): [redacted] [redacted] - QM rules allow for [redacted] in bona fide discount points when the difference between the Par (undiscounted) rate and the APOR is <[redacted]%. In this case, the difference is [redacted]%, which would allow for [redacted]% in excludable bona fide discount points, or $[redacted]. This reduces the Total P&Fs to $[redacted], or [redacted]% of the amount financed. Loan passes QM.<br>Reviewer Comment (2021-12-27): Based on the undiscounted rate of [redacted]% provided, Discount Points are ineligible for exclusion. Exception remains open.<br>Seller Comment (2021-12-23): [redacted] [redacted] - Please see the attached QM Test. There are $[redacted] in bona fide points that can be excluded. Total P&Fs $[redacted], or [redacted]%.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300580 | XXXX |  | 34798951 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Prior year W2 for employment at [redacted] not included in file. |  |  |  | Reviewer Comment (2021-12-23): Received the [redacted] & [redacted] W-2's for [redacted] Dental Plan. Exception has cleared.<br>Seller Comment (2021-12-23): [redacted] [redacted]: Please see the attached.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300590 | XXXX |  | 34798955 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | The loan is to go into a securitization and there is [redacted]valuation in the loan file when [redacted] valuations are required. |  |  |  | Reviewer Comment (2021-12-14): Received CDA<br>Seller Comment (2021-12-14): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300588 | XXXX |  | 34798957 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-12-16): Received CDA<br>Seller Comment (2021-12-16): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300588 | XXXX |  | 34798959 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-12-13): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300570 | XXXX |  | 34798963 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Evidence of earlier borrower receipt was not provided. |  |  |  | Reviewer Comment (2022-01-03): Received initial CD. Exception has cleared.<br>Seller Comment (2022-01-03): [redacted] [redacted] - Please see the attached Initial CD dated and executed [redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300534 | XXXX |  | 34798968 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-01-03): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300534 | XXXX |  | 34798969 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-01-03): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300534 | XXXX |  | 34798970 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | initial CD was not provided within [redacted] days of closing |  |  |  | Reviewer Comment (2022-01-04): [redacted] received [redacted] CD.<br>Seller Comment (2022-01-04): [redacted] [redacted] Please see attached Initial closing disclosure signed by the borrower on [redacted] and TRID worksheet that shows proof of delivery. The initial CD was disclosed to and signed by the borrower on [redacted], which meets the [redacted] day required waiting period before the closing date of [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300571 | XXXX |  | 34798971 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-01-11): Received AVM<br>Seller Comment (2022-01-11): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300571 | XXXX |  | 34798972 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Second consecutive monthly statement [redacted] [redacted]was not provided in the loan file. |  |  |  | Reviewer Comment (2022-01-13): Received Second consecutive monthly statement from [redacted] acc#[redacted]. Exception cleared.<br>Seller Comment (2022-01-12): [redacted] [redacted]: Please see attached asset statement.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300566 | XXXX |  | 34798979 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required |  |  |  | Reviewer Comment (2022-01-07): Received CDA<br>Seller Comment (2022-01-07): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300539 | XXXX |  | 34798985 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-01-14): AVM provided. Cleared.<br>Seller Comment (2022-01-14): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300564 | XXXX |  | 34798988 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted] valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-01-14): Lender provided AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300564 | XXXX |  | 34798990 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-01-13): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300564 | XXXX |  | 34798991 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-01-13): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300515 | XXXX |  | 34798993 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-01-14): Received AVM<br>Seller Comment (2022-01-14): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300529 | XXXX |  | 34799001 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-[redacted] Citizen Status not provided |  | Missing co-borrower permanent resident card. |  |  |  | Reviewer Comment (2022-01-14): Lender provided updated, corrected 1003 showing coborrower is [redacted] Citizen<br>Seller Comment (2022-01-14): [redacted] [redacted]: Please see updated initial 1003 and final 1003. The co-borrower is a [redacted] Citizen.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300529 | XXXX |  | 34799003 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required |  |  |  | Reviewer Comment (2022-01-18): CDA provided. Cleared.<br>Seller Comment (2022-01-18): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300529 | XXXX |  | 34799005 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-01-12): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300529 | XXXX |  | 34799006 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-01-12): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300556 | XXXX |  | 34799011 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | Policy coverage to be updated at Final Title Policy when complete. |  |  |  | Reviewer Comment (2022-01-13): Lender provided<br>Seller Comment (2022-01-13): [redacted] [redacted] see attached, please clear thank you<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300556 | XXXX |  | 34799012 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-01-12): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300521 | XXXX |  | 34799020 |  | 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 [redacted] business days prior to closing. | Change in loan amount, interest rate, and lock date affected prior to closing. |  |  |  | Reviewer Comment (2022-01-18): Exception Cleared. Client provided proof of receipt.<br>Seller Comment (2022-01-17): [redacted] Please see attached LE, Final CD, and Security Instrument. The LE was consented to and signed on [redacted]. This would meet the [redacted] day requirement before the closing date of [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300584 | XXXX |  | 34799024 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided sufficient cure of $[redacted]. |  |  |  | Reviewer Comment (2022-01-20): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300537 | XXXX |  | 34799028 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Eligible Source(as defined by the selling guide) for gift funds was not provided in the loan file. |  |  |  | Reviewer Comment (2022-01-19): Received the initial wire transfer receipt reflecting spouse name listed as customer for wire transfer of $[redacted]. Exception has been cleared.<br>Seller Comment (2022-01-19): [redacted] [redacted]: Wire receipt shows who gift came from.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300562 | XXXX |  | 34799032 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 appraisal fee exceeds the disclosed amount however sufficient cure was provided. |  |  |  | Reviewer Comment (2022-01-20): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300562 | XXXX |  | 34799033 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | The verification of employment fee exceeds the disclosed amount however sufficient cure was provided. |  |  |  | Reviewer Comment (2022-01-20): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300569 | XXXX |  | 34799040 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | VOE is dated [redacted], note date is [redacted]. |  |  |  | Reviewer Comment (2022-01-25): Received Verification(s) of employment which is within [redacted] business days of the Note. Exception cleared.<br>Seller Comment (2022-01-24): [redacted] [redacted]: Please see the attached one done on [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300554 | XXXX |  | 34799043 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-01-20): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300554 | XXXX |  | 34799045 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than [redacted] days prior to the note date. | - | Credit Report is more than [redacted] days old for the Co-Borrower. The Borrower had a Credit Re-pull done on [redacted] but the co-borrower did not. |  |  |  | Reviewer Comment (2022-01-26): Credit Report for [redacted] dated [redacted] which is within [redacted] days of Note Date has been updated as per in file documents provided. Exception Cleared.<br>Seller Comment (2022-01-25): [redacted] [redacted]: Please rescind. [redacted] dated cited is incorrect. For co-borrower clearly indicates Order Date and Report Date of [redacted]. Please escalate to leadership. There is a credit inquiry on [redacted] but this is not the credit report effective date. Please see page [redacted] of [redacted] in the attached document for the actual credit report date of the co-borrower.<br>Reviewer Comment (2022-01-25): The date [redacted] mentioned in previous comment could not be considered as credit order date and credit report date is [redacted] which is more than [redacted] days old for the Co-Borrower. Please provide us the updated credit report for the co-borrower as provided for the borrower earlier. Exception remains.<br>Seller Comment (2022-01-24): [redacted]: Please see attached credit report. On the bottom of page [redacted], the report for [redacted] has a date of [redacted], hence there is no need for an updated report.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300547 | XXXX |  | 34799049 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-01-24): Corrections were made to [redacted] of the [redacted] total CD's. Also, the [redacted] reasons and associations were corrected. This exception was deleted when compliance was rerun, accordingly. Exception cleared.<br>Seller Comment (2022-01-21): [redacted] [redacted] The origination started as lender paid when the loan was first locked. Due to this the compensation will not show on the Loan estimate. On [redacted] there was a Change Of Circumstance done changing the compensation form lender paid to borrower paid. By switching this to borrower paid, it reduces the need to charge discount points because the borrower is paying the compensation directly. There was a Closing disclosure that went out following for re-disclosure. Please see attached Closing disclosure and Change Of Circumstance form.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300547 | XXXX |  | 34799050 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | \*\*NEW/ADDED\*\*<br>This is inaccurate, as the escrows were removed on all PCCD's. Additional commentary shortly. |  |  |  | Reviewer Comment (2022-01-24): The escrows were removed on the PCCD's, so the final CD is accurate. This doesn't happen very often, so the system can't register the discrepancy between the field regarding the escrows and the changes made after closing. Exception cleared.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300547 | XXXX |  | 34799051 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether property taxes are included in escrow. | \*\*NEW/ADDED\*\*<br>This is inaccurate, as the escrows were removed on all PCCD's. Additional commentary shortly. |  |  |  | Reviewer Comment (2022-01-24): The escrows were removed on the PCCD's, so the final CD is accurate. This doesn't happen very often, so the system can't register the discrepancy between the field regarding the escrows and the changes made after closing. Exception cleared.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300526 | XXXX |  | 34799062 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Reo income used to qualify is not supported by Lease and PITIA verification. Provide cash flow analysis for each REO to determine how lender calculated income. Additional conditions may apply |  |  |  | Reviewer Comment (2022-02-02): Documents provided to support lease payments and exclusion of [redacted] payments<br>Seller Comment (2022-02-01): [redacted] [redacted]: Please see the attached showing the [redacted] payments were made by others. Allowing it to be excluded.<br>Reviewer Comment (2022-02-01): Provided AUS and 1008 show exclusion of Account [redacted], showing total liabilities of $[redacted], however as per the current calculations, Borrower's Total Income results into $[redacted](base)+$[redacted](Overtime)+$[redacted](Bonus)+$[redacted](REO Rental Income)=$[redacted]& Liabilities of $[redacted](Primary Expense)+$[redacted](Credit Liabilities)=$[redacted]. This results into Debt to Income Ratio of $[redacted]/$[redacted]=[redacted]%. Hence, Provide updated 1003, AUS and 1008 showing DTI ratio of [redacted]% or provide supporting documents supporting current income and liability calculations. Exception Remains.<br>Seller Comment (2022-01-31): [redacted]: Please see the attached lease agreements for [redacted] [redacted] [redacted] (one for the residence and one for the [redacted]). This totals $[redacted] in gross monthly rent from the property.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300526 | XXXX |  | 34799064 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan fails testing due to excessive ratios |  |  |  | Reviewer Comment (2022-02-02): Documents provided to support lease payments and exclusion of [redacted] payments<br>Seller Comment (2022-02-01): [redacted] [redacted]: Please see the attached showing the [redacted] payments were made by others. Allowing it to be excluded.<br>Reviewer Comment (2022-02-01): Provided AUS and 1008 show exclusion of Account [redacted], showing total liabilities of $[redacted], however as per the current calculations, Borrower's Total Income results into $[redacted](base) + $[redacted](Overtime) + $[redacted](Bonus) + $[redacted](REO Rental Income) = $[redacted]& Liabilities of $[redacted](Primary Expense) + $[redacted](Credit Liabilities) = $[redacted]. This results into Debt to Income Ratio of $[redacted]/$[redacted]= [redacted]%. Hence, Provide updated 1003, AUS and 1008 showing DTI ratio of [redacted]% or provide supporting documents supporting current income and liability calculations. Exception Remains.<br>Seller Comment (2022-01-31): [redacted] [redacted]: Please see the attached lease agreements for [redacted] [redacted] [redacted](one for the residence and one for the [redacted]). This totals $[redacted] in gross monthly rent from the property.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300526 | XXXX |  | 34799066 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | fee is missing change of circumstance form to cure the fee |  |  |  | Reviewer Comment (2022-02-02): [redacted] received documentation indicating increase in appraisal fee is the [redacted] fee included.<br>Seller Comment (2022-02-01): [redacted] [redacted]: Please see the attached showing the [redacted] payments were made by others. Allowing it to be excluded.<br>Reviewer Comment (2022-02-01): [redacted] as per associate comment the fees were combined, to consider these both fees as same there is no LOE/Attestation Letter is provided. So kindly provide a LOE/Attestation Letter to consider the fees are same or provide Cure.<br>Seller Comment (2022-02-01): [redacted] [redacted] The appraisal fee and appraisal rent schedule were initially disclosed on separate fee lines at $[redacted] and $[redacted]. Later in the process the [redacted] fees were combined into one appraisal fee line at $[redacted]. Since the total of appraisal fees were $[redacted], which is less than the $[redacted]initially disclosed, and was never disclosed lower than the $[redacted], no tolerance is necessary. Please see attached appraisal invoices, initial LE, and CD.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300526 | XXXX |  | 34799067 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial CD Issued less than [redacted] days prior to closing and received by the borrower less than [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2022-01-31): [redacted] received the initial CD, exception is cleared.<br>Seller Comment (2022-01-31): [redacted]- [redacted] - Please see the attached CD signed [redacted] and the trid history showing it as delivered.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300526 | XXXX |  | 34799068 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Reo income used to qualify is not supported by Lease and PITIA verification. Provide cash flow analysis for each REO to determine how lender calculated income. Additional conditions may apply |  |  |  | Reviewer Comment (2022-02-02): Documents provided to support lease payments and exclusion of [redacted] payments<br>Seller Comment (2022-02-01): [redacted] [redacted]: Please see the attached showing the [redacted] payments were made by others. Allowing it to be excluded.<br>Reviewer Comment (2022-02-01): Provided AUS and 1008 show exclusion of Account [redacted], showing total liabilities of $[redacted], however as per the current calculations, Borrower's Total Income results into $[redacted](base) + $[redacted](Overtime) + $[redacted](Bonus) + $[redacted](REO Rental Income) = $[redacted]& Liabilities of $[redacted](Primary Expense) + $[redacted](Credit Liabilities) = $[redacted]. This results into Debt to Income Ratio of $[redacted]/$[redacted]= [redacted]%. Hence, Provide updated 1003, AUS and 1008 showing DTI ratio of [redacted]% or provide supporting documents supporting current income and liability calculations. Exception Remains.<br>Seller Comment (2022-01-31): [redacted] [redacted]: Please see the attached lease agreements for [redacted] [redacted] [redacted] (one for the residence and one for the [redacted]). This totals $[redacted] in gross monthly rent from the property.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300526 | XXXX |  | 34799069 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted]or more guideline components, the loan is at QM risk. | Reo income used to qualify is not supported by Lease and PITIA verification. Provide cash flow analysis for each REO to determine how lender calculated income. Additional conditions may apply |  |  |  | Reviewer Comment (2022-02-02): Documents provided to support lease payments and exclusion of [redacted] payments<br>Seller Comment (2022-02-01): [redacted] [redacted]: Please see the attached showing the [redacted] payments were made by others. Allowing it to be excluded.<br>Reviewer Comment (2022-02-01): Provided AUS and 1008 show exclusion of Account [redacted], showing total liabilities of $[redacted], however as per the current calculations, Borrower's Total Income results into $[redacted](base) + $[redacted](Overtime) + $[redacted](Bonus) + $[redacted](REO Rental Income) = $[redacted]& Liabilities of $[redacted](Primary Expense) + $[redacted](Credit Liabilities) = $[redacted]. This results into Debt to Income Ratio of $[redacted]/$[redacted]= [redacted]%. Hence, Provide updated 1003, AUS and 1008 showing DTI ratio of [redacted]% or provide supporting documents supporting current income and liability calculations. Exception Remains.<br>Seller Comment (2022-01-31): [redacted] [redacted]: Please see the attached lease agreements for [redacted] [redacted] [redacted] (one for the residence and one for the [redacted]). This totals $[redacted] in gross monthly rent from the property.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300526 | XXXX |  | 34799070 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | REO income used to qualify is not supported by Lease and PITIA verification. Provide cash flow analysis for each REO to determine how lender calculated income. Additional conditions may apply |  |  |  | Reviewer Comment (2022-02-02): Documents provided to support lease payments and exclusion of [redacted] payments<br>Seller Comment (2022-02-01): [redacted] [redacted]: Please see the attached showing the [redacted] payments were made by others. Allowing it to be excluded.<br>Reviewer Comment (2022-02-01): Provided AUS and 1008 show exclusion of Account [redacted], showing total liabilities of $[redacted], however as per the current calculations, Borrower's Total Income results into $[redacted](base) + $[redacted](Overtime) + $[redacted](Bonus) + $[redacted](REO Rental Income) = $[redacted]& Liabilities of $[redacted](Primary Expense) + $[redacted](Credit Liabilities) = $[redacted]. This results into Debt to Income Ratio of $[redacted]/$[redacted]= [redacted]%. Hence, Provide updated 1003, AUS and 1008 showing DTI ratio of [redacted]% or provide supporting documents supporting current income and liability calculations. Exception Remains.<br>Seller Comment (2022-01-31): [redacted] [redacted]: Please see the attached lease agreements for [redacted] [redacted] [redacted] (one for the residence and one for the [redacted]). This totals $[redacted]in gross monthly rent from the property.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300514 | XXXX |  | 34799072 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Loan Originator Compensation was not disclosed on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing changes made |  |  |  | Reviewer Comment (2022-02-01): [redacted] has received valid changed circumstance for fee increase.<br>Seller Comment (2022-01-31): [redacted] [redacted] The origination started as lender paid when the loan was first locked. Due to this the compensation will not show on the Loan estimate. On [redacted] there was a Change Of Circumstance done changing the compensation form lender paid to borrower paid. By switching this to borrower paid, it reduces the need to charge discount points because the borrower is paying the compensation directly. There was a Closing disclosure that went out following for re-disclosure. Please see attached Closing disclosure and Change Of Circumstance form<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300514 | XXXX |  | 34799073 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing disclosure received [redacted] which is within [redacted] days of closing date of [redacted]. |  |  |  | Reviewer Comment (2022-01-31): [redacted] received [redacted] CD and proof of receipt.<br>Seller Comment (2022-01-31): [redacted]- [redacted] - Please see the attached Signed Initial CD from [redacted] and the Trid History showing it as delivered to the borrower<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300551 | XXXX |  | 34799084 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Sufficient cure provided. |  |  |  | Reviewer Comment (2022-01-26): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300523 | XXXX |  | 34799086 |  | 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 [redacted] business days prior to closing. | The initial LE dated [redacted] shows no electronic delivery. The receipt of the second [redacted] LE is confirmed on [redacted]. |  |  |  | Reviewer Comment (2022-02-02): Removed [redacted]LE with $[redacted] from borrower as disclosure summary indicating borrower did not receive LE was received.<br>Seller Comment (2022-02-01): [redacted] [redacted] - please see the attached TRID history showing the first package that was delivered on [redacted] as being sent and retired at the same time, the borrower never saw this package, the One from [redacted] however was seen by [redacted] at[redacted] which had the $[redacted] from the borrower then this package was retired as another one was sent at [redacted]at $[redacted]<br>Reviewer Comment (2022-01-31): The exception is regarding the LE dated [redacted] showing $[redacted] from borrower at close. [redacted] received [redacted]LE showing $[redacted] from borrower at close. Please provide receipt if available for review.<br>Seller Comment (2022-01-28): [redacted]- [redacted] - Please see the attached signed LE from [redacted], TRID History showing it as delivered Singed and Submitted [redacted], and the Security instrument showing closing did not take place until [redacted], No Violation Occurred.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300523 | XXXX |  | 34799087 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-01-27): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300560 | XXXX |  | 34799090 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Evidence of earlier borrower receipt was not provided. |  |  |  | Reviewer Comment (2022-01-28): [redacted] received [redacted] CD.<br>Seller Comment (2022-01-28): [redacted] see attached, please clear thank you<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300518 | XXXX |  | 34799095 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Verification of other fee in the amount of [redacted] is missing from the loan file. |  |  |  | Reviewer Comment (2022-02-02): Received HOI verification. Exception has cleared.<br>Seller Comment (2022-02-01): [redacted]: Please see the attached HOI policy for [redacted]. The annual premium is $[redacted]. The monthly amount equals $[redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300550 | XXXX |  | 34799102 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Fee was last disclosed as $[redacted] on the LE but disclosed as $[redacted] on the Final Closing Disclosure. The file contains a valid COC for this fee and a cure has been provided at closing in the amount of $[redacted]. |  |  |  | Reviewer Comment (2022-01-31): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300494 | XXXX |  | 34799105 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | No lender cure or valid COC. |  |  |  | Reviewer Comment (2022-02-01): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300527 | XXXX |  | 34799107 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-02-02): Lender provided CDA<br>Seller Comment (2022-02-02): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Refinance - Rate/Term | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300527 | XXXX |  | 34799109 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2022-02-01): Sufficient Cure Provided within [redacted] Days of Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | 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)<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300500 | XXXX |  | 34799113 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Valid Changed Circumstance provided. |  |  |  | Reviewer Comment (2022-02-01): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300500 | XXXX |  | 34799114 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Provide the complete copy of the LP used to qualify. Additional conditions may apply after review |  |  |  | Reviewer Comment (2022-02-03): Acceptable AUS [redacted] has been provided.<br>Reviewer Comment (2022-02-03): Provided updated [redacted](DOCID: [redacted]) missing with Credit Report Details and Message Summary section [redacted]ence required complete copy of the [redacted], exception remains.<br>Seller Comment (2022-02-02): [redacted] am please see attached and clear<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300511 | XXXX |  | 34799121 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Secondary valuation is missing. |  |  |  | Reviewer Comment (2022-02-03): Received CDA<br>Seller Comment (2022-02-03): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300614 | XXXX |  | 34799124 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Missing Third party verification of employment from previous employer |  |  |  | Reviewer Comment (2022-02-04): Received [redacted] W-2 for previous employer. Loan was restated to Safe Harbor QM (APOR) which does not require the third party verification. Exception has cleared.<br>Seller Comment (2022-02-03): [redacted] - [redacted]: Please see W2 for [redacted] for [redacted].<br>Reviewer Comment (2022-02-03): Require [redacted] party verification for borrower previous employer "[redacted]" to verify start and end date of employment. - Exception Remains.<br>Buyer Comment (2022-02-02): [redacted] - [redacted]: Please rescind. We do not require [redacted] party verification for previous employers.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| XXXX | 112300614 | XXXX |  | 34799125 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Lender used lower debt than verified by audit. Rental loss has been calculated higher than AUS |  |  |  | Reviewer Comment (2022-02-09): Received evidence that borrower is not on the note for [redacted].<br>Seller Comment (2022-02-08): [redacted]: Underwriter obtained all the right docs, but did not update edge to reflect the correct primary residence.<br>Sent new 1008 and AUS<br>Reviewer Comment (2022-02-08): Based on lender attestation and Final 1003, [redacted] removed the rental income from [redacted]. DTI is at [redacted]% now. [redacted] calculations are as follows: $[redacted]income. [redacted] negative rents are -$[redacted]. Subject property is -$[redacted]. Credit Report debt is -$[redacted]. [redacted] negative rents is -$[redacted]. The Final 1008 and AUS do not match up to the Final 1003 in the file. AUS reflects rental debt of $[redacted]and $[redacted]. Exception remains open.<br>Buyer Comment (2022-02-04): [redacted] - [redacted]: Please rescind. Rental loss does not need to be taken into account for [redacted] per [redacted], Rental Income ([redacted]).<br>Reviewer Comment (2022-02-04): To clear the exception W-2 for [redacted] is not a requirement. Following is the requirement to clear DTI Exception. If we do not use rental income(Schedule [redacted]) for property "[redacted]" Complete PITIA $[redacted] hit will be given which will further increase the DTI. Currently after using rental income for this property PITIA hit is given only for amount $[redacted] and DTI is at [redacted]%. DTI difference is due to less amount considered as negative rent used for property "[redacted]" negative cash is $[redacted] and for property "[redacted]" negative cash is $[redacted], however even lesser amount considered by lender and also provide letter of explanation and supporting document mentioning current and correct property classification (Investment or Second Home) for property "[redacted]" as it is marked as primary residence in final 1003. - Exception Remains<br>Seller Comment (2022-02-03): [redacted]: Please see W2 for [redacted] for [redacted].<br>Reviewer Comment (2022-02-03): If we do not use rental income(Schedule [redacted]) for property "[redacted]" Complete PITIA $[redacted] hit will be given which will further increase the DTI. Currently after using rental income for this property PITIA hit is given only for amount $[redacted] and DTI is at [redacted]%. DTI difference is due to less amount considered as negative rent used for property "[redacted]" negative cash is $[redacted] and for property "[redacted]" negative cash is $[redacted], however even lesser amount considered by lender and also provide letter of explanation and supporting document mentioning current and correct property classification ([redacted]) for property "[redacted]" as it is marked as primary residence in final 1003. - Exception Remains.<br>Seller Comment (2022-02-02): [redacted] - [redacted]: Please rescind. No income is needed from rental REO located at [redacted]. Rental income used from lease agreement for property located at [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| XXXX | 112300614 | XXXX |  | 34799127 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | DTI exceeds allowable |  |  |  | Reviewer Comment (2022-02-09): Received evidence that borrower is not on the note for [redacted]<br>Reviewer Comment (2022-02-08): Based on lender attestation and Final 1003, [redacted] removed the rental income from [redacted]. DTI is at [redacted]% now. [redacted] calculations are as follows: $[redacted] income. [redacted] negative rents are -$[redacted]. Subject property is -$[redacted]. Credit Report debt is -$[redacted]. [redacted] negative rents is -$[redacted]. The Final 1008 and AUS do not match up to the Final 1003 in the file. AUS reflects rental debt of $[redacted] and $[redacted]. Exception remains open.<br>Buyer Comment (2022-02-04): [redacted]: Please rescind. Rental loss does not need to be taken into account for [redacted] per [redacted], Rental Income ([redacted]).<br>Reviewer Comment (2022-02-04): To clear the exception W-2 for [redacted] is not a requirement. Following is the requirement to clear DTI Exception. If we do not use rental income(Schedule [redacted]) for property "[redacted]" Complete PITIA $[redacted] hit will be given which will further increase the DTI. Currently after using rental income for this property PITIA hit is given only for amount $[redacted] and DTI is at [redacted]%. DTI difference is due to less amount considered as negative rent used for property "[redacted]" negative cash is $[redacted] and for property "[redacted]" negative cash is $[redacted], however even lesser amount considered by lender and also provide letter of explanation and supporting document mentioning current and correct property classification ([redacted]) for property "[redacted]" as it is marked as primary residence in final 1003. - Exception Remains<br>Seller Comment (2022-02-03): [redacted]: Please see W2 for [redacted] for [redacted].<br>Reviewer Comment (2022-02-03): If we do not use rental income(Schedule [redacted]) for property "[redacted]" Complete PITIA $[redacted] hit will be given which will further increase the DTI. Currently after using rental income for this property PITIA hit is given only for amount $[redacted] and DTI is at [redacted]%. DTI difference is due to less amount considered as negative rent used for property "[redacted]" negative cash is $[redacted] and for property "[redacted]" negative cash is $[redacted], however even lesser amount considered by lender and also provide letter of explanation and supporting document mentioning current and correct property classification ([redacted]) for property "[redacted]" as it is marked as primary residence in final 1003. - Exception Remains.<br>Seller Comment (2022-02-02): [redacted]: Please rescind. No income is needed from rental REO located at [redacted]. Rental income used from lease agreement for property located at [redacted].<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300614 | XXXX |  | 34799128 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [redacted]% and based on [redacted] of [redacted]% moderately exceed the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2022-02-08): This condition is cleared due to a new exception has been cited stating that DTI's do not match and both significantly exceed guidelines.<br>Buyer Comment (2022-02-04): [redacted]: Please rescind. Rental loss does not need to be taken into account for [redacted] per [redacted], Rental Income ([redacted]).<br>Reviewer Comment (2022-02-04): To clear the exception W-2 for [redacted] is not a requirement. Following is the requirement to clear DTI Exception. If we do not use rental income(Schedule [redacted]) for property "[redacted]" Complete PITIA $[redacted] hit will be given which will further increase the DTI. Currently after using rental income for this property PITIA hit is given only for amount $[redacted] and DTI is at [redacted]%. DTI difference is due to less amount considered as negative rent used for property "[redacted]" negative cash is $[redacted] and for property "[redacted]" negative cash is $[redacted], however even lesser amount considered by lender and also provide letter of explanation and supporting document mentioning current and correct property classification ([redacted]) for property "[redacted]" as it is marked as primary residence in final 1003. - Exception Remains<br>Seller Comment (2022-02-03): [redacted]: Please see W2 for [redacted] for [redacted].<br>Reviewer Comment (2022-02-03): If we do not use rental income(Schedule [redacted]) for property "[redacted]" Complete PITIA $[redacted] hit will be given which will further increase the DTI. Currently after using rental income for this property PITIA hit is given only for amount $[redacted] and DTI is at [redacted]%. DTI difference is due to less amount considered as negative rent used for property "[redacted]" negative cash is $[redacted] and for property "[redacted]" negative cash is $[redacted], however even lesser amount considered by lender and also provide letter of explanation and supporting document mentioning current and correct property classification ([redacted]) for property "[redacted]" as it is marked as primary residence in final 1003. - Exception Remains.<br>Seller Comment (2022-02-02): [redacted]: Please rescind. No income is needed from rental REO located at [redacted]. Rental income used from lease agreement for property located at [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| XXXX | 112300614 | XXXX |  | 34799129 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted]or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2022-02-09): Received evidence that borrower is not on the note for [redacted].<br>Seller Comment (2022-02-08): [redacted]: Please see updated AUS and 1008, reporting correctly.<br>Reviewer Comment (2022-02-08): Based on lender attestation and Final 1003, [redacted] removed the rental income from [redacted]. DTI is at [redacted]% now. [redacted] calculations are as follows: $[redacted] income. [redacted] negative rents are -$[redacted]. Subject property is -$[redacted]. Credit Report debt is -$[redacted]. [redacted] negative rents is -$[redacted]. The Final 1008 and AUS do not match up to the Final 1003 in the file. AUS reflects rental debt of $[redacted] and $[redacted]. Exception remains open.<br>Buyer Comment (2022-02-04): [redacted]: Please rescind. Rental loss does not need to be taken into account for [redacted] per [redacted], Rental Income ([redacted]).<br>Reviewer Comment (2022-02-04): To clear the exception W-2 for [redacted] is not a requirement. Following is the requirement to clear DTI Exception. If we do not use rental income(Schedule [redacted]) for property "[redacted]" Complete PITIA $[redacted] hit will be given which will further increase the DTI. Currently after using rental income for this property PITIA hit is given only for amount $[redacted] and DTI is at [redacted]%. DTI difference is due to less amount considered as negative rent used for property "[redacted]" negative cash is $[redacted] and for property "[redacted]" negative cash is $[redacted], however even lesser amount considered by lender and also provide letter of explanation and supporting document mentioning current and correct property classification ([redacted]) for property "[redacted]" as it is marked as primary residence in final 1003. - Exception Remains<br>Seller Comment (2022-02-03): [redacted]: Please see W2 for [redacted] for [redacted].<br>Reviewer Comment (2022-02-03): If we do not use rental income(Schedule [redacted]) for property "[redacted]" Complete PITIA $[redacted] hit will be given which will further increase the DTI. Currently after using rental income for this property PITIA hit is given only for amount $[redacted] and DTI is at [redacted]%. DTI difference is due to less amount considered as negative rent used for property "[redacted]" negative cash is $[redacted] and for property "[redacted]" negative cash is $[redacted], however even lesser amount considered by lender and also provide letter of explanation and supporting document mentioning current and correct property classification ([redacted]) for property "[redacted]" as it is marked as primary residence in final 1003. - Exception Remains.<br>Seller Comment (2022-02-02): [redacted]: Please rescind. No income is needed from rental REO located at [redacted]. Rental income used from lease agreement for property located at [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| XXXX | 112300614 | XXXX |  | 34799130 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Based on lender attestation and Final 1003, [redacted] removed the rental income from [redacted]. DTI is at [redacted]% now. [redacted] calculations are as follows: $[redacted] income. [redacted] negative rents are $[redacted]. Subject property is $[redacted]. Credit Report debt is $[redacted]. [redacted] negative rents is $[redacted]. The Final 1008 and AUS do not match up to the Final 1003 in the file. AUS reflects rental debt of $[redacted] and $[redacted]. Exception remains open. |  |  |  | Reviewer Comment (2022-02-09): Received evidence that borrower is not on the note for [redacted]<br>Seller Comment (2022-02-08): [redacted]: Please see updated AUS and 1008, reporting correctly.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| XXXX | 112300614 | XXXX |  | 34799131 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both significantly exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [redacted]% and based on [redacted] of [redacted]% significantly exceed the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Based on lender attestation and Final 1003, [redacted] removed the rental income from [redacted]. DTI is at [redacted]% now. [redacted] calculations are as follows: $[redacted] income. [redacted] negative rents are $[redacted]. Subject property is $[redacted]. Credit Report debt is $[redacted]. [redacted] negative rents is $[redacted]. The Final 1008 and AUS do not match up to the Final 1003 in the file. AUS reflects rental debt of $[redacted] and $[redacted]. Exception remains open. |  |  |  | Reviewer Comment (2022-02-09): Received evidence that borrower is not on the note for [redacted].<br>Seller Comment (2022-02-08): [redacted]: Please see updated AUS and 1008, reporting correctly.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| XXXX | 112300614 | XXXX |  | 34799132 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Restated loan designation to APOR. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> A<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| XXXX | 112300579 | XXXX |  | 34799133 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | The post closing CD dated [redacted] reflects the correct finance charge on page [redacted] of $[redacted]. Document delivery, LOX and re-opened rescission if applicable |  |  |  | Reviewer Comment (2022-02-03): Received the Corrected CD and [redacted]. Loan disbursed on [redacted] and [redacted] reflects credit of $[redacted] given.<br>Seller Comment (2022-02-02): [redacted] Please see the attached Final Settlement statement that shows the borrower was credit -$[redacted] for the increase in the discount points after the borrower closed.<br>|  | XXXX |  | 2<br> C<br> B |  | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300579 | XXXX |  | 34799134 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). | The post closing CD dated [redacted] reflects the correct Total of Payments on page [redacted] of $[redacted]. Document delivery, LOX and re-opened rescission if applicable |  |  |  | Reviewer Comment (2022-02-03): Received the Corrected CD and [redacted]. Loan disbursed on [redacted] and [redacted] reflects credit of $[redacted] given.<br>|  | XXXX |  | 2<br> C<br> B |  | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300579 | XXXX |  | 34799136 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify.; Sec ID: [redacted] |  | -[redacted]% variance to the value per this AVM. [redacted]% Confidence Score. |  |  |  | Reviewer Comment (2022-02-07): Received CDA documents hence Exception cleared<br>Seller Comment (2022-02-07): CDA<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300512 | XXXX |  | 34799138 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Fee was last disclosed as $[redacted] on the LE but disclosed as $[redacted] on the Final Closing Disclosure. The file contains a valid COC for this fee and a cure has been provided at closing in the amount of $[redacted]. |  |  |  | Reviewer Comment (2022-02-02): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300481 | XXXX |  | 34799141 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2022-02-04): Purchase Agreement/ Sales Contract with addendum provided and associated. Exception Cleared.<br>Seller Comment (2022-02-03): [redacted] see attached, please clear thank you<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300481 | XXXX |  | 34799145 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-02-02): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300574 | XXXX |  | 34799148 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-02-04): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300574 | XXXX |  | 34799149 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-02-04): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300510 | XXXX |  | 34799157 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided $[redacted] cure at close. |  |  |  | Reviewer Comment (2022-02-07): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300482 | XXXX |  | 34799159 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2022-02-15): Received commitment title with policy amount $[redacted]. Hence Exception Cleared.<br>Seller Comment (2022-02-14): [redacted] am please see attached<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300482 | XXXX |  | 34799162 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Current YTD paystub ([redacted]) |  |  |  | Reviewer Comment (2022-02-09): Note date is [redacted] and paystubs available in file cover ti[redacted], hence they are acceptable and no additional paystubs are required,, Exception cleared..<br>Seller Comment (2022-02-09): [redacted]: Paystub provided is not expired.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300546 | XXXX |  | 34799181 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 provided. |  |  |  | Reviewer Comment (2022-02-14): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300538 | XXXX |  | 34799186 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Loan amount discrepancy. |  |  |  |  |  | Reviewer Comment (2022-02-16): Received AUS dated [redacted] with correct loan amount matches with note amount of $[redacted] Exception cleared.<br>Seller Comment (2022-02-15): [redacted]: YTD is $[redacted] + [redacted] = [redacted] = [redacted]. RSU is on the paystub as a dollar amount, [redacted] and [redacted] Stock Opt. RSU is a dollar amount on the paystub. Guidelines have been provided to show how the calculation is done when as a dollar amount on the paystub. Over the last [redacted] months, (which is the amount on the paystub), the average is $[redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300538 | XXXX |  | 34799187 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI exceeds maximum allowed. Lender used higher RSU income than was calculated. [redacted] and [redacted] average of $[redacted]/month instead of $[redacted] used by Lender. Provide UW income analysis to determine how RSU income was calculated by Lender |  |  |  | Reviewer Comment (2022-02-16): Note and signed CD is provided for the property [redacted], [redacted] and the PITIA is liable for [redacted] hence exception cleared<br>Seller Comment (2022-02-16): [redacted]: Please see the attached CD and the note showing only [redacted] as a borrower.<br>Reviewer Comment (2022-02-16): Received uw worksheet, considered [redacted] income YTD average as per calculation. Now DTI is exceeding due to second home [redacted], PITIA. As per final [redacted], its showing only $[redacted] expenses. But we have closing disclosure ,tax verification, insurance verification and hoa verification for same property which showing total expenses $[redacted]. So Please provided updated aus,1008 and 1003 adding this expenses or provide supporting document if its paid off. Also for [redacted], please provide executed closing disclosure .Exception Remains.<br>Seller Comment (2022-02-15): [redacted]: YTD is $[redacted] + [redacted] = [redacted] = [redacted]. [redacted] is on the paystub as a dollar amount, [redacted] and [redacted] Stock Opt. [redacted] is a dollar amount on the paystub. Guidelines have been provided to show how the calculation is done when as a dollar amount on the paystub. Over the last [redacted] months, (which is the amount on the paystub), the average is $[redacted].<br>Reviewer Comment (2022-02-15): The calculated income as per documents is Base income - $[redacted] & Average YTD [redacted] income - $[redacted]. Please provide calculation sheet for the lender's [redacted] income calculation of $[redacted]. Also The loan amount in the AUS is $[redacted] which is lower than original loan amount of $[redacted]. Provide AUS with updated loan amount. As per final 1003 for the property "[redacted]" mortgage payment does not apply is ticked however as per closing disclosure the property has a new mortgage with P&I of $[redacted]. Inclusion of this P&I from this property exceeds the DTI to [redacted]%. Provide clarification for excluding the P&I or provide supporting document reflecting the property is free and clear. Exception remains.<br>Seller Comment (2022-02-14): [redacted]: Please see the attached calculation guideline for [redacted] time based vesting. YTD is $[redacted] + [redacted] = [redacted] / [redacted] = [redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300538 | XXXX |  | 34799188 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI exceeds maximum allowed. Lender used higher RSU income than was calculated. [redacted] and [redacted] average of $[redacted]/month instead of $[redacted] used by Lender. Provide UW income analysis to determine how RSU income was calculated by Lender |  |  |  | Reviewer Comment (2022-02-16): Note and signed CD is provided for the property [redacted] and the PITIA is liable for [redacted] hence exception cleared<br>Seller Comment (2022-02-16): [redacted]: Please see the attached CD and the note showing only [redacted] as a borrower.<br>Reviewer Comment (2022-02-16): Received uw worksheet, considered [redacted] income YTD average as per calculation. Now DTI is exceeding due to [redacted] home [redacted], PITIA. As per final 1003, its showing only $[redacted] expenses. But we have closing disclosure ,tax verification, insurance verification and hoa verification for same property which showing total expenses $[redacted]. So Please provided updated aus,1008 and 1003 adding this expenses or provide supporting document if its paid off. Also for [redacted], please provide executed closing disclosure .Exception Remains.<br>Seller Comment (2022-02-15): [redacted]: YTD is $[redacted] + [redacted] = [redacted] = [redacted]. [redacted] is on the paystub as a dollar amount, [redacted] and [redacted] Opt. [redacted] is a dollar amount on the paystub. Guidelines have been provided to show how the calculation is done when as a dollar amount on the paystub. Over the last [redacted] months, (which is the amount on the paystub), the average is $[redacted].<br>Reviewer Comment (2022-02-15): The calculated income as per documents is Base income - $[redacted] & Average YTD [redacted] income - $[redacted]. Please provide calculation sheet for the lender's [redacted] income calculation of $[redacted]. Also The loan amount in the AUS is $[redacted] which is lower than original loan amount of $[redacted]. Provide AUS with updated loan amount. As per final 1003 for the property "[redacted]" mortgage payment does not apply is ticked however as per closing disclosure the property has a new mortgage with P&I of $[redacted]. Inclusion of this P&I from this property exceeds the DTI to [redacted]%. Provide clarification for excluding the P&I or provide supporting document reflecting the property is free and clear. Exception remains.<br>Seller Comment (2022-02-14): [redacted]: Please see the attached calculation guideline for [redacted] time based vesting. YTD is $[redacted] + [redacted] = [redacted]= [redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300538 | XXXX |  | 34799189 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan fails testing due to excessive ratios |  |  |  | Reviewer Comment (2022-02-16): Note and signed CD is provided for the property [redacted] and the PITIA is liable for [redacted] hence exception cleared<br>Seller Comment (2022-02-16): [redacted]: Please see the attached CD and the note showing only [redacted] as a borrower.<br>Reviewer Comment (2022-02-16): Received uw worksheet, considered [redacted] income YTD average as per calculation. Now DTI is exceeding due to second home [redacted], PITIA. As per final 1003, its showing only $[redacted] expenses. But we have closing disclosure ,tax verification, insurance verification and hoa verification for same property which showing total expenses $[redacted]. So Please provided updated aus,1008 and 1003 adding this expenses or provide supporting document if its paid off. Also for [redacted], please provide executed closing disclosure .Exception Remains.<br>Seller Comment (2022-02-15): [redacted]: YTD is $[redacted] + [redacted] = [redacted] = [redacted]. [redacted] is on the paystub as a dollar amount, [redacted] and [redacted] Opt. RSU is a dollar amount on the paystub. Guidelines have been provided to show how the calculation is done when as a dollar amount on the paystub. Over the last [redacted] months, (which is the amount on the paystub), the average is $[redacted].<br>Reviewer Comment (2022-02-15): The calculated income as per documents is Base income - $[redacted] & Average YTD [redacted] income - $[redacted]. Please provide calculation sheet for the lender's [redacted] income calculation of $[redacted]. Also The loan amount in the AUS is $[redacted] which is lower than original loan amount of $[redacted]. Provide AUS with updated loan amount. As per final 1003 for the property "[redacted]" mortgage payment does not apply is ticked however as per closing disclosure the property has a new mortgage with P&I of $[redacted]. Inclusion of this P&I from this property exceeds the DTI to [redacted]%. Provide clarification for excluding the P&I or provide supporting document reflecting the property is free and clear. Exception remains.<br>Seller Comment (2022-02-14): [redacted]: Please see the attached calculation guideline for [redacted] time based vesting. YTD is $[redacted] + [redacted] = [redacted] = [redacted].<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300538 | XXXX |  | 34799190 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [redacted]% and based on [redacted] of [redacted]% moderately exceed the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceeds maximum allowed. Lender used higher RSU income than was calculated. [redacted] and [redacted] average of $[redacted]/month instead of $[redacted] used by Lender. Provide UW income analysis to determine how RSU income was calculated by Lender |  |  |  | Reviewer Comment (2022-02-16): Note and signed CD is provided for the property [redacted] and the PITIA is liable for [redacted] hence exception cleared<br>Seller Comment (2022-02-16): [redacted]: Please see the attached CD and the note showing only [redacted] as a borrower.<br>Reviewer Comment (2022-02-16): Received uw worksheet, considered [redacted] income YTD average as per calculation. Now DTI is exceeding due to [redacted] home [redacted], PITIA. As per final 1003, its showing only $[redacted] expenses. But we have closing disclosure ,tax verification, insurance verification and hoa verification for same property which showing total expenses $[redacted]. So Please provided updated aus,1008 and 1003 adding this expenses or provide supporting document if its paid off. Also for [redacted], please provide executed closing disclosure .Exception Remains.<br>Seller Comment (2022-02-15): [redacted]: YTD is $[redacted] + [redacted] = [redacted] = [redacted]. [redacted] is on the paystub as a dollar amount, [redacted] and [redacted]. [redacted] is a dollar amount on the paystub. Guidelines have been provided to show how the calculation is done when as a dollar amount on the paystub. Over the last [redacted] months, (which is the amount on the paystub), the average is $[redacted].<br>Reviewer Comment (2022-02-15): The calculated income as per documents is Base income - $[redacted] & Average YTD [redacted] income - $[redacted]. Please provide calculation sheet for the lender's [redacted] income calculation of $[redacted]. Also The loan amount in the AUS is $[redacted] which is lower than original loan amount of $[redacted]. Provide AUS with updated loan amount. As per final 1003 for the property "[redacted]" mortgage payment does not apply is ticked however as per closing disclosure the property has a new mortgage with P&I of $[redacted]. Inclusion of this P&I from this property exceeds the DTI to [redacted]%. Provide clarification for excluding the P&I or provide supporting document reflecting the property is free and clear. Exception remains.<br>Seller Comment (2022-02-14): [redacted]: Please see the attached calculation guideline for [redacted] time based vesting. YTD is $[redacted] + [redacted] = [redacted] = [redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300538 | XXXX |  | 34799191 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted]or more guideline components, the loan is at QM risk. | DTI exceeds maximum allowed. Lender used higher RSU income than was calculated. [redacted] and [redacted] average of $[redacted]/month instead of $[redacted] used by Lender. Provide UW income analysis to determine how RSU income was calculated by Lender |  |  |  | Reviewer Comment (2022-02-16): Note and signed CD is provided for the property [redacted] and the PITIA is liable for [redacted] hence exception cleared<br>Seller Comment (2022-02-16): [redacted]: Please see the attached CD and the note showing only [redacted] as a borrower.<br>Reviewer Comment (2022-02-16): Received uw worksheet, considered [redacted] income YTD average as per calculation. Now DTI is exceeding due to [redacted] home [redacted], PITIA. As per final 1003, its showing only $[redacted] expenses. But we have closing disclosure ,tax verification, insurance verification and hoa verification for same property which showing total expenses $[redacted]. So Please provided updated aus,1008 and 1003 adding this expenses or provide supporting document if its paid off. Also for [redacted], please provide executed closing disclosure .Exception Remains.<br>Seller Comment (2022-02-15): [redacted]: YTD is $[redacted]. [redacted] is on the paystub as a dollar amount, [redacted] and [redacted]. [redacted] is a dollar amount on the paystub. Guidelines have been provided to show how the calculation is done when as a dollar amount on the paystub. Over the last [redacted] months, (which is the amount on the paystub), the average is $[redacted].<br>Reviewer Comment (2022-02-15): The calculated income as per documents is Base income - $[redacted] & Average YTD [redacted] income - $[redacted]. Please provide calculation sheet for the lender's [redacted] income calculation of $[redacted]. Also The loan amount in the AUS is $[redacted] which is lower than original loan amount of $[redacted]. Provide AUS with updated loan amount. As per final 1003 for the property "[redacted]" mortgage payment does not apply is ticked however as per closing disclosure the property has a new mortgage with P&I of $[redacted]. Inclusion of this P&I from this property exceeds the DTI to [redacted]%. Provide clarification for excluding the P&I or provide supporting document reflecting the property is free and clear. Exception remains.<br>Seller Comment (2022-02-14): [redacted]: Please see the attached calculation guideline for [redacted] time based vesting. YTD is $[redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300538 | XXXX |  | 34799192 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial CD provided is [redacted] and the Final CD provided is [redacted] while Closing date is [redacted] |  |  |  | Reviewer Comment (2022-02-15): [redacted] received [redacted] CD.<br>Seller Comment (2022-02-15): [redacted] Please see attached Closing Disclosure and TRID worksheet with proof borrower was sent an Initial Closing Disclosure on [redacted] and was e-consented to on [redacted]. This meets the [redacted] business days prior to the closing date of [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300420 | XXXX |  | 34799194 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-02-16): Provided CDA<br>Seller Comment (2022-02-16): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300420 | XXXX |  | 34799195 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Sufficient cure was provided for these fees. |  |  |  | Reviewer Comment (2022-02-14): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300467 | XXXX |  | 34799197 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing prior years [redacted] W2 as required per [redacted] for B2. |  |  |  | Reviewer Comment (2022-02-15): Received the [redacted] W-2. Exception has cleared.<br>Seller Comment (2022-02-15): [redacted]: See the attached.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300467 | XXXX |  | 34799199 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender cured with a $[redacted] tolerance cure on the final CD. |  |  |  | Reviewer Comment (2022-02-14): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300467 | XXXX |  | 34799200 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender cured with a $[redacted] tolerance cure on the final CD. |  |  |  | Reviewer Comment (2022-02-14): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300487 | XXXX |  | 34799201 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation is failing due to Points and Fees exceeding allowable calculations. |  |  |  | Reviewer Comment (2022-02-18): Loan is SHQM (APOR).<br>Seller Comment (2022-02-17): [redacted] The Discount charge and UW fee are being covered by Seller Credits. The total points and fees are less the [redacted]% with the discount charge and UW fee being covered by the seller credit. Please see the attached itemization of settlement fees.<br> Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[redacted]%<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300487 | XXXX |  | 34799202 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Missing itemization disclosure |  |  |  | Reviewer Comment (2022-02-18): Offset provided for loan discounts paid by seller per itemization. Offset brings QM[redacted]% total under threshold.<br>Seller Comment (2022-02-17): [redacted] The Discount charge and UW fee are being covered by Seller Credits. The total points and fees are less the [redacted]% with the discount charge and UW fee being covered by the seller credit. Please see the attached itemization of settlement fees. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage $[redacted] = [redacted] %<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300490 | XXXX |  | 34799213 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Fee change due to no valid change of circumstance |  |  |  | Reviewer Comment (2022-02-22): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300497 | XXXX |  | 34799216 |  | 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. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender are the same as origination lender. |  |  |  | Reviewer Comment (2025-09-19): Waive per [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Refinance - Limited Cash-out GSE | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300497 | XXXX |  | 34799217 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided sufficient Cure credit total $[redacted] for Appraisal Fee. |  |  |  | Reviewer Comment (2022-02-22): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300434 | XXXX |  | 34799222 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2022-03-02): [redacted] received the Final CD. Additional assets of POC were used for appraisal and HOI. Documentation is in the file to provide proof these fees were paid outside of closing. Exception has cleared.<br>Buyer Comment (2022-03-01): [redacted]: Please rescind. This is a duplicate of a previously cleared condition relating to the exact same thing.<br>Reviewer Comment (2022-02-28): As per documents calculated cash to close is [redacted] Received document for funds calculated is [redacted] which calculate the difference of [redacted] to cover the cash to close amount. Please provide us the addition documents to cover the shortfall. Exception remains.<br>Reviewer Comment (2022-02-28): As per final closing disclosure we need cash to close $[redacted] and verified assets are $[redacted] which is more than cash to close hence exception cleared.<br>Buyer Comment (2022-02-25): [redacted]: Please rescind. Auditor is failing to take into account the EMD, which has been verified as paid. Cash to close can be verified on CD.<br>Reviewer Comment (2022-02-25): Calculated cash to close is [redacted] (closing cost [redacted] + Down payment is [redacted] - seller credit [redacted] - Adjustments or other credit [redacted]). Received document for funds calculated is [redacted] which come the difference of [redacted] to cover the cash to close amount. Please provide us the addition documents to cover the shortfall. Exception remains.<br>Seller Comment (2022-02-24): [redacted]: Please rescind. Please see attached subject CD showing final cash to close was $[redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300434 | XXXX |  | 34799225 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Provide itemization of amount financed to apply and seller concessions |  |  |  | Reviewer Comment (2022-02-25): Itemization shows general seller credit on CD it to be applied to discounts points. Offset provided to QM points and fees which brings total under the [redacted]% threshold.<br>Seller Comment (2022-02-25): akw [redacted] Please see attached.<br>Reviewer Comment (2022-02-24): Itemization was dated post closing; please provide itemization at or before closing.<br>Seller Comment (2022-02-24): [redacted] The Discount charge is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within [redacted]% higher than APOR which allows for [redacted]% bonafide discount to be applied.<br> Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[redacted]%<br> QM TEST PASSED<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300434 | XXXX |  | 34799226 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan Designation failed due to QM Points and Fees Violation. |  |  |  | Reviewer Comment (2022-02-25): Loan is [redacted] (APOR).<br>Seller Comment (2022-02-25): akw [redacted] Please see attached<br>Reviewer Comment (2022-02-24): Itemization was dated post closing; please provide itemization at or before closing.<br>Seller Comment (2022-02-24): [redacted] The Discount charge is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within [redacted]% higher than APOR which allows for [redacted]% bonafide discount to be applied. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage $[redacted] % QM TEST PASSED<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300470 | XXXX |  | 34799231 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided cure $[redacted] on the Final CD |  |  |  | Reviewer Comment (2022-02-23): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300484 | XXXX |  | 34799233 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Missing secondary valuation |  |  |  | Reviewer Comment (2022-02-25): Provided CDA<br>Seller Comment (2022-02-25): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300507 | XXXX |  | 34799241 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Reviewer Comment (2022-02-25): Received VOE dated [redacted].<br>Seller Comment (2022-02-25): [redacted]: Please rescind. The VVOE was dated [redacted]which is within [redacted] days of [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300471 | XXXX |  | 34799242 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan fails testing due to excessive points and missing income documentation |  |  |  | Reviewer Comment (2022-03-08): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300471 | XXXX |  | 34799243 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Based on a par rate of [redacted]%, discount points are ineligible for exclusion |  |  |  | Reviewer Comment (2022-03-08): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Limited Cash-out GSE | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300504 | XXXX |  | 34799246 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan is waterfalling to the loan designation of QM (APOR) Risk due to DTI discrepancy. |  |  |  | Reviewer Comment (2022-03-09): Updated Application, 1008 and AUS provided with corrected ratios<br>Seller Comment (2022-03-09): [redacted]: Please see the updated AUS and 1008.<br>Reviewer Comment (2022-02-28): Once all other QM exceptions clear, this will generally clear also. Unable to clear. The address of[redacted] reflects a PITIA payment of $[redacted] as reflected on the Final CD dated[redacted] that is in the file. The Final 1003/1008 is using a payment of $[redacted]. Exception remains open.<br>Buyer Comment (2022-02-25): [redacted]: Please rescind. The P&I payment is $[redacted] per the final CD provided from the recent acquisition. The PITI payment used in the rental calculation is $[redacted], which includes the escrowed tax and insurance. The full property cost has been considered correctly in the rental income calculation and the DTI remains as delivered.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300504 | XXXX |  | 34799247 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees [redacted] Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. (Points and Fees testing limited to Borrower paid fees.) | The Buyer's CD and Seller's CD both confirmed that no fees were paid by the Seller. |  |  |  | Reviewer Comment (2022-02-28): Lender attests and file documentation supports no seller fees on transaction. Exception has been cleared.<br>Buyer Comment (2022-02-25): [redacted] - Correct, since the Seller didn't pay any fees, there would nothing to disclose on the Final CD. Please remove the finding.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300504 | XXXX |  | 34799248 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted]or more guideline components, the loan is at QM risk. | Loan is at QM risk due to Calculated investor qualifying total debt ratio of [redacted]% exceeds AUS total debt ratio of [redacted]%. Rental income calculation for [redacted] was based on solely the P&I payment which did not include Taxes and Insurance as provided on the Closing Disclosure. |  |  |  | Reviewer Comment (2022-03-09): Updated Application, 1008 and AUS provided with corrected ratios<br>Seller Comment (2022-03-09): [redacted]: Please see the updated AUS and 1008.<br>Reviewer Comment (2022-02-28): Unable to clear. The address of [redacted] reflects a PITIA payment of $[redacted] as reflected on the Final CD dated[redacted] that is in the file. The Final 1003/1008 is using a payment of $[redacted]. Exception remains open.<br>Buyer Comment (2022-02-25): [redacted]: Please rescind. The P&I payment is $[redacted] per the final CD provided from the recent acquisition. The PITI payment used in the rental calculation is $[redacted] which includes the escrowed tax and insurance. The full property cost has been considered correctly in the rental income calculation and the DTI remains as delivered.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300504 | XXXX |  | 34799249 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [redacted]% exceeds AUS total debt ratio of [redacted]%. Rental income calculation for [redacted] was based on solely the P&I payment which did not include Taxes and Insurance as provided on the Closing Disclosure. |  |  |  | Reviewer Comment (2022-03-09): Updated Application, 1008 and AUS provided with corrected ratios<br>Seller Comment (2022-03-09): [redacted]: Please see the updated AUS and 1008.<br>Reviewer Comment (2022-02-28): Unable to clear. The address of [redacted] reflects a PITIA payment of $[redacted] as reflected on the Final CD dated[redacted] that is in the file. The Final 1003/1008 is using a payment of $[redacted]. Exception remains open.<br>Seller Comment (2022-02-25): [redacted]: Please rescind. The P&I payment is $[redacted] per the final CD provided from the recent acquisition. The PITI payment used in the rental calculation is $[redacted], which includes the escrowed tax and insurance. The full property cost has been considered correctly in the rental income calculation and the DTI remains as delivered.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300504 | XXXX |  | 34799250 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Final Executed Settlement Statement/Hud-1 from the sale of the [redacted] property was not provided as required. |  |  |  | Reviewer Comment (2022-03-09): Final Closing statement provided<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300504 | XXXX |  | 34799251 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-02-28): Received and input the [redacted] CDA in support of the Appraised value.<br>Seller Comment (2022-02-28): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300451 | XXXX |  | 34799256 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [redacted] W-2 for [redacted] which is required per AUS. |  |  |  | Reviewer Comment (2022-02-28): Received Year ending paystub for "[redacted]". As per AUS findings and [redacted] guidelines year ending paystub with YTD earnings can be used for prior year earnings - Exception Cleared.<br>Seller Comment (2022-02-25): [redacted]: Please rescind. Please note that this loan was submitted in [redacted], so therefore the income being used for[redacted] is also from [redacted]. With that being said, the prior year's earnings were documented from the year-end paystub for [redacted]. Based on the time of year, the [redacted] W-2 would not have yet been available.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300451 | XXXX |  | 34799257 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [redacted] W-2 for Employees Retirement System of [redacted] which is required per AUS. |  |  |  | Reviewer Comment (2022-02-28): Received Year ending paystub for "[redacted]". As per AUS findings and [redacted] guidelines year ending paystub with YTD earnings can be used for prior year earnings - Exception Cleared.<br>Seller Comment (2022-02-25): [redacted]: Please rescind. Please note that this loan was submitted in [redacted], so therefore the income being used for [redacted] is also from [redacted]. With that being said, the prior year's earnings were documented from the year-end paystub for [redacted]. Based on the time of year, the[redacted] W-2 would not have yet been available.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300478 | XXXX |  | 34799261 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Credit of $[redacted] was provided at closing which is insufficient to cure the multiple [redacted] Percent violations. |  |  |  | Reviewer Comment (2022-03-07): [redacted] sufficient cure provided at closing.<br>Buyer Comment (2022-03-04): Please see response to Survey Fee<br>Reviewer Comment (2022-02-28): [redacted] Cure Provided at Closing for Appraisal fee and Credit report fee; however, Exception will be Cleared once Valid COC or Cure Docs received for all tolerance Violations (Survey fee).<br>Seller Comment (2022-02-25): [redacted] Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $[redacted] in section J on the Closing Disclosure, $[redacted] for the increase in Appraisal Fee from $[redacted]to $[redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300478 | XXXX |  | 34799262 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Fee was not disclosed on the Loan Estimate. Credit of $[redacted] was provided at closing which is insufficient to cure the multiple [redacted] Percent violations. |  |  |  | Reviewer Comment (2022-03-11): [redacted] upon further review received LOE dated [redacted].<br>Seller Comment (2022-03-10): akw [redacted] Please see attached.<br>Reviewer Comment (2022-03-07): [redacted] upon further review survey fee was disclosed in section [redacted] on initial LE while on final CD it is in section [redacted] of the CD.<br> If this fee is lender required it should have been disclosed under section [redacted] on initial LE or if the fee is borrower required then it should be disclosed under section [redacted] on final CD.<br> Please provide lender attestation for the fee disclosed incorrectly LE/CD to clear this exception.<br>Seller Comment (2022-03-04): [redacted] Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $[redacted] in section J on the Closing Disclosure, $[redacted] for the increase in Survey Fee from $[redacted] to $[redacted]. The Survey Fee was disclosed in good faith on the initial LE and was later increased on the final CD, but a tolerance credit was given for the increase.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300478 | XXXX |  | 34799263 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Credit of $[redacted] was provided at closing which is insufficient to cure the multiple [redacted] Percent violations. |  |  |  | Reviewer Comment (2022-03-07): [redacted] sufficient cure provided at closing.<br>Buyer Comment (2022-03-04): Please see response to Survey Fee<br>Reviewer Comment (2022-02-28): [redacted] Cure Provided at Closing for Appraisal fee and Credit report fee; however, Exception will be Cleared once Valid COC or Cure Docs received for all tolerance Violations (Survey fee).<br>Seller Comment (2022-02-25): [redacted] Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $[redacted] in section J on the Closing Disclosure, $[redacted] for the increase in Credit Report from $[redacted] to $[redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300478 | XXXX |  | 34799264 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Tax Verification for [redacted] property |  |  |  | Reviewer Comment (2022-04-12): The lender provided a legible copy of DU submission #[redacted], the corrected 1008, and the corrected 1003. All figures are now accurate and the tolerance is acceptable. Exception cleared.<br>Seller Comment (2022-04-12): [redacted]: Please see attached 1008<br>Reviewer Comment (2022-04-11): Received legible copy of AUS Submission #[redacted]. However the DTI calculation values show a mismatch on 1008. The total monthly payments on 1008 in amount $[redacted] ($[redacted](Primary) + $[redacted](All other Payments)) generate a DTI of [redacted]%($[redacted] / $[redacted]). Provide updated 1008 with Total Liability payments matching with that of AUS in amount $[redacted] and DTI of [redacted]%. Exception Remains.<br>Seller Comment (2022-04-08): [redacted]: Please see attached AUS findings. They have been printed in landscape and Portrait to confirm all information. Findings reflect full, if there is an issue with a particular section or page still, please indicate.<br>Reviewer Comment (2022-03-30): Aus submission no. [redacted] is illegible not ineligible. As provided aus copy is blur and details are not visible clearly. Please provide complete and clear aus copy. Exception remains.<br>Buyer Comment (2022-03-29): [redacted]: Product is Prime Jumbo Released, AUS findings will always come back as ineligible due to county loan limits. Please rescind.<br>Reviewer Comment (2022-03-10): 1003, 1008 and AUS provided with corrected expense for property [redacted], however provided AUS submission #[redacted] is illegible. Provide legible AUS. Exception Remains.<br>Seller Comment (2022-03-09): [redacted]: Other expenses are expenses the borrower claims to be associated with the property, but are not needed to be documented due to not using rental income. See the attached 1003 and AUS taking out the other expenses.<br>Reviewer Comment (2022-02-28): Received tax certificate with annual tax of $[redacted]. The borrower is paying quarterly taxes of $[redacted]. Hence the monthly taxes are $[redacted] = $[redacted]. As per documents the P&I is $[redacted], monthly insurance are $[redacted] and taxes are $[redacted]. However there are still additional payments of $[redacted]. Please provide supporting documents for the additional payments. Exception remains.<br>Seller Comment (2022-02-25): [redacted]: Please see the attached tax bill for the REO. Adjustments were made to the property PITI so please also see the attached AUS for verification of eligibility.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300478 | XXXX |  | 34799265 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-11): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300478 | XXXX |  | 34799266 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. |  |  |  |  | Reviewer Comment (2022-03-11): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300478 | XXXX |  | 34799267 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-11): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300502 | XXXX |  | 34799268 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-02): Received and input the [redacted] CDA in support of the Appraised value.<br>Seller Comment (2022-03-02): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300502 | XXXX |  | 34799270 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] business days prior to consummation | Closing Disclosure dated [redacted] was not received by borrower at least [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2022-04-05): Upon further review, [redacted] CD tested APR is within tolerances, exception cleared.<br>Reviewer Comment (2022-03-11): The form was presented to the consumer at closing as factual, and subsequently signed by the consumer. Cure is required.<br>Buyer Comment (2022-03-10): akw [redacted] This was title's CD and was used for balancing purposes only. It was signed on the day of closing by the borrower with the rest of the closing documents. It was not the final CD which was issued by[redacted]and signed at closing. Thus, title's CD should not be used TRID testing. Per TILA [redacted] the creditor is responsible for the CD and thus is the only one allowed to issue the CD.<br>Reviewer Comment (2022-03-04): [redacted] reviewed exception. As the CD was received by the borrower (it is signed) it cannot be removed from testing. A cure is not obvious as the exception is due to timing.<br>Buyer Comment (2022-03-03): [redacted] - The referenced CD dated[redacted] is the broker's CD, not the lender's CD. This is a wholesale loan and , as the lender, broker CDs are not recognized. The referenced CD can be disregarded.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | TRID timing exception, no remediation available.<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300447 | XXXX |  | 34799275 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Based on Preliminary Title Policy in file, the Title Policy Amount of $[redacted] is less that the note amount of $[redacted]. |  |  |  | Reviewer Comment (2022-03-03): Provided Title at $[redacted]<br>Seller Comment (2022-03-03): [redacted]: Please rescind. Please see attached final title with coverage of $[redacted]<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300424 | XXXX |  | 34799281 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | HOA reflected as $[redacted] on the appraisal, however, $[redacted] was used by the lender. Documentation to support the higher amount was not located. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B<br> C |  | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300418 | XXXX |  | 34799289 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Final Post close Closing Disclosure dated [redacted] reflects Borrower paid Loan Origination Compensation in the amount of $[redacted]. Fee was disclosed to Borrower at consummation dated [redacted] as Lender Paid but then changed to Borrower Paid on [redacted]. Sufficient Cure or Proof of refund to Borrower along with final Corrective Closing Disclosure and Letter of Explanation was not provide din the loan file. |  |  |  | Reviewer Comment (2022-04-29): Lender cured on the PCCD dated [redacted].<br>Seller Comment (2022-04-28): akw [redacted] Please see attached.<br>Reviewer Comment (2022-03-07): [redacted] received COC dated [redacted] indicates "Borrower requested change. By switching this to borrower paid, it reduces the need to charge discount point because the borrower is paying the compensation directly", for which we have a valid COC. However, the Compensation plan changing from Lender paid to borrower paid on PCCD dated [redacted]. After closing COC's and fee changing/Increased/added is not acceptable. Please provide cure along with cure documents in order to clear this exception.<br>Seller Comment (2022-03-04): [redacted] The origination started as lender paid when the loan was first locked. Due to this the compensation will not show on the Loan estimate. On [redacted]there was a Change Of Circumstance done changing the compensation form lender paid to borrower paid. By switching this to borrower paid, it reduces the need to charge discount points because the borrower is paying the compensation directly. There was a Closing disclosure that went out following for re-disclosure. Please see attached Closing disclosure and Change Of Circumstance form.<br>|  | XXXX |  | 2<br> C<br> B |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300458 | XXXX |  | 34799292 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-01): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300402 | XXXX |  | 34799293 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-[redacted] Citizen Status not provided |  | Missing a copy of greencard for [redacted] |  |  |  | Reviewer Comment (2022-03-10): Received updated 1003 & associated - Exception cleared.<br>Buyer Comment (2022-03-10): [redacted]: Borrower is [redacted], and no other documents are required as proof. This was only a mistake on the borrower when signing up for the loan. Issue has been correct with copy of updated 1003.<br>Reviewer Comment (2022-03-09): No new docs received that was requested on [redacted]. Loan must have supporting doc. exception remains.<br>Buyer Comment (2022-03-09): [redacted]: Please rescind. This is not required. An updated signed 1003 is not a requirement to correct 1003.<br>Reviewer Comment (2022-03-09): Received unsigned updated 1003's listing the Borrower as a [redacted] Citizen. Please provided a LOE from the Borrower stating the correct Citizenship with Identification documentation and a Signed/E-signed copy of the Final Corrected 1003. Exception remains.<br>Seller Comment (2022-03-08): [redacted]: Please see corrected 1003. Borrower is a [redacted] Citizen.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300376 | XXXX |  | 34799297 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]%. QM Breakdown Worksheet reflects undiscounted rate of [redacted]% which does not qualify for point exclusion. |  |  |  | Reviewer Comment (2022-03-03): Received and Input the Correspondent Discount Point Pricing Disclosure that shows the updated PAR rate.<br>Seller Comment (2022-03-02): [redacted] Please see attached Correspondent Discount Points Documentation that shows the PAR rate. The Par rate(also known as undiscounted rate) is within [redacted]% higher than APOR which allows for [redacted]% bonafide discount to be applied.<br>Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[redacted] - $[redacted] = $[redacted] / $[redacted] =[redacted] %<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300376 | XXXX |  | 34799298 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 provided |  |  |  | Reviewer Comment (2022-03-01): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300376 | XXXX |  | 34799300 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Due to Fees and Points violation |  |  |  | Reviewer Comment (2022-03-03): Received and Input the Correspondent Discount Point Pricing Disclosure that shows the updated PAR rate.<br>Seller Comment (2022-03-02): [redacted] Please see attached Correspondent Discount Points Documentation that shows the PAR rate. The Par rate(also known as undiscounted rate) is within [redacted] % higher than APOR which allows for [redacted] % bonafide discount to be applied. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage $[redacted] - $[redacted] = $[redacted] / $[redacted] = [redacted] %<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300376 | XXXX |  | 34799301 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Prior year W2([redacted]) or year end paystub ([redacted]) as required by DU |  |  |  | Reviewer Comment (2022-04-29): The lender used a WVOE in-lieu of the [redacted] W2 for [redacted] ([redacted]-year residency); the [redacted] and [redacted] W2's were provided for [redacted], as well as the year-ending paycheck stub for [redacted] in-lieu of the [redacted] W2, a YTD paycheck stub for [redacted], and a VVOE within [redacted]-days of consummation for [redacted]. All requirements of DU #[redacted] & #[redacted] have been met. Exception cleared.<br>Buyer Comment (2022-04-29): [redacted]: Please rescind. Per previous[redacted]comments, the WVOE has already been received for the borrower's employment with [redacted]. AUS report line item #[redacted] lists that the income can be documented using a paystub and a W-2 from the prior year, or a standard Verification of Employment (1005) which is what[redacted]commented has already been provided. The WVOE (1005) is an acceptable document to be used in lieu of the prior year's W-2 and the WVOE already provided still lists the borrower's earnings from [redacted], which means the W-2 is not required.<br>Reviewer Comment (2022-04-29): Duplicate year-ending paystub for current employer received. Please provide the [redacted] W2 prior employer ([redacted]) per DU #[redacted] . Exception remains.<br>Seller Comment (2022-04-29): [redacted] - MJP: Please rescind. Original citing states that [redacted] paystub is acceptable which was part of original package. Please see paystub, and note that DU only requires the year end amount for previous year, and paystubs are acceptable to reflect this.<br>Reviewer Comment (2022-04-29): Duplicate prior WVOE, duplicate paystub, and [redacted] W2's received. Please provide the [redacted] W2 from [redacted] per DU #[redacted] . Exception remains.<br>Seller Comment (2022-04-28): [redacted] - MJP: Please see attached W2 for [redacted] .<br>Reviewer Comment (2022-03-30): Please provide [redacted] W-2.<br>Seller Comment (2022-03-30): [redacted] - MJP: Please see attached W2 for [redacted] [redacted] to meet guideline requirement for [redacted] years of W2's.<br>Reviewer Comment (2022-03-07): [redacted] received the WVOE for previous employment. This reflects that borrower salary at termination was $[redacted] . Need W-2 to reflect the actual earnings for [redacted] Exception remains open.<br>Seller Comment (2022-03-04): [redacted] - Please rescind. See [redacted] paystub from [redacted] for borrower, this is the final paystub of [redacted] . Next pay period would have been [redacted] - [redacted] and paid out on [redacted] . Please see attached WVOE from the borrower previous employer to document [redacted] earnings.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300353 | XXXX |  | 34799303 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-03-04): Received CDA issued [redacted] which reflects a [redacted]% variance from the appraised value. Value is supported.<br>Seller Comment (2022-03-04): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300353 | XXXX |  | 34799305 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-03): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300399 | XXXX |  | 34799311 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final consumer CD did not disclose the reason the loan won't have an escrow account |  |  |  | Reviewer Comment (2022-03-09): [redacted] Received PCCD and LOE.<br>Seller Comment (2022-03-08): [redacted]: Please see attached.<br>|  | XXXX |  | 2<br> C<br> B |  | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300453 | XXXX |  | 34799319 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Several student loans show [redacted] payment on credit report. Please provide AUS findings that reflect adding student loans min payment of [redacted]%, Freddie Mac guidelines OR documentation showing they should be left at [redacted]. |  |  |  | Reviewer Comment (2022-03-07): Received updated AUS. Exception has cleared.<br>Seller Comment (2022-03-07): [redacted]: Please rescind. Please note that the LP AUS findings do not provide a breakdown of the liabilities and their monthly payments, so I have also provided the final loan application showing that .[redacted]% of the balance was used as the monthly payment. The AUS findings do confirm that the file was eligible at [redacted]% DTI.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300453 | XXXX |  | 34799320 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted]or more guideline components, the loan is at QM risk. | Missing updated AUS findings or additional student loan documentation. |  |  |  | Reviewer Comment (2022-03-07): Received updated AUS. Exception has cleared.<br>Seller Comment (2022-03-07): [redacted]: Please see the attached AUS findings showing the loan is eligible at [redacted]% DTI. Since the LP AUS findings do not provide a breakdown of the liabilities, please see the attached final loan application showing that .[redacted]% of the balance was used to calculate the payment amount.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300453 | XXXX |  | 34799321 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing updated AUS findings or additional student loan documentation. |  |  |  | Reviewer Comment (2022-03-07): Received updated AUS. Exception has cleared.<br>Buyer Comment (2022-03-07): [redacted]: Please see the documentation and the responses provided for the other conditions in order to clear this one. Thank you!<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300380 | XXXX |  | 34799322 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-04-12): Received 2055 Exterior only secondary valuation in file and associated - Exception Cleared<br>Seller Comment (2022-04-11): [redacted]<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300380 | XXXX |  | 34799324 |  | 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.) | Revised LE was electronically issued and received [redacted] |  |  |  | Reviewer Comment (2022-03-10): [redacted] received attestation that [redacted] LE should not have been issued and was removed.<br>Seller Comment (2022-03-09): akw [redacted] Please see attached.<br>Reviewer Comment (2022-03-07): [redacted] received disclosure summary. Provide an executed lender attestation confirming the [redacted] LE was sent in error, was retired and was never disclosed or viewed or received by borrower. Upon receipt file can be retested.<br>Seller Comment (2022-03-04): [redacted] Please see attached TRID Worksheet for both the LE and CD from [redacted]. The LE that was sent on [redacted] was sent in error and was retired before the borrower ever saw it, which is why the CD was able to be sent on[redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | No Defined Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300380 | XXXX |  | 34799326 |  | 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 [redacted] business days prior to closing. | Revised LE was electronically issued and received [redacted] |  |  |  | Reviewer Comment (2022-03-10): [redacted] received attestation that [redacted] LE should not have been issued and was removed.<br>Seller Comment (2022-03-09): akw [redacted] Please see attached.<br>Reviewer Comment (2022-03-07): [redacted] received disclosure summary. Provide an executed lender attestation confirming the [redacted] LE was sent in error, was retired and was never disclosed or viewed or received by borrower. Upon receipt file can be retested.<br>Seller Comment (2022-03-04): [redacted] Please see attached TRID Worksheet for both the LE and CD from [redacted]. The LE that was sent on [redacted] was sent in error and was retired before the borrower ever saw it, which is why the CD was able to be sent on [redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | No Defined Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300545 | XXXX |  | 34799328 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-09): Received secondary valuation AVM with value $[redacted] and effective date [redacted]. Hence Exception cleared.<br>Seller Comment (2022-03-07): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300568 | XXXX |  | 34799333 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. | Sufficient cure provided for this violation. |  |  |  | Reviewer Comment (2022-03-03): Sufficient Cure Provided within [redacted] Days of Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | 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)<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300568 | XXXX |  | 34799334 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. | Sufficient cure provided for this violation. |  |  |  | Reviewer Comment (2022-03-03): Sufficient Cure Provided within [redacted] Days of Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | 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)<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300548 | XXXX |  | 34799336 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-09): Received and verified CDA. Document attached. Exception cleared.<br>Seller Comment (2022-03-07): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300548 | XXXX |  | 34799337 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-03-03): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300572 | XXXX |  | 34799340 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | The file was missing secondary valuation required for securitization. |  |  |  | Reviewer Comment (2022-03-09): Received CDA, hence cleared the exception<br>Seller Comment (2022-03-07): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Refinance - Rate/Term | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300446 | XXXX |  | 34799345 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] 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. | No cure was provided on the final CD. $[redacted] Cure was provided on the post closing CD dated [redacted] |  |  |  | Reviewer Comment (2022-03-04): Sufficient Cure Provided within [redacted] Days of Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | 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)<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300368 | XXXX |  | 34799363 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-10): AVM provided<br>Seller Comment (2022-03-10): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300476 | XXXX |  | 34799365 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | The final Closing disclosure was not provided to the borrower within [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2022-03-10): Provided initial CD<br>Seller Comment (2022-03-09): [redacted] - Please see the attached Initial CD from [redacted] and the TRID history Disclosure showing it as Clicked and Reviewed.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | No Defined Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300476 | XXXX |  | 34799367 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Per the Rate lock provided, the Discount Points increased [redacted]. The corresponding CD was not provided. |  |  |  | Reviewer Comment (2022-03-10): [redacted] received CD & Lock Confirmation dated [redacted].<br>Seller Comment (2022-03-09): [redacted] The loan locked with pricing at $[redacted] (rounded to $[redacted] on the LE). Then on [redacted] there was a [redacted] day lock extension that impacted pricing to be $[redacted], which was disclosed on a CD on [redacted]. Please see attached lock confirmations, CD, and TRID worksheet.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300476 | XXXX |  | 34799368 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Sufficient cure provided for this violation but Per the Rate lock provided, the Discount Points increased [redacted]. The corresponding CD was not provided. |  |  |  | Reviewer Comment (2022-03-10): [redacted] received clarification, cure provided at closing.<br>Seller Comment (2022-03-09): [redacted] Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $[redacted] in section J on the Closing Disclosure for the increase in Appraisal fee from $[redacted] to $[redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300476 | XXXX |  | 34799369 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and [redacted]valuation is in the loan file when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-10): Received AVM issued [redacted] which reflects a -[redacted]% variance from the appraised value. Value is supported.<br>Seller Comment (2022-03-10): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300476 | XXXX |  | 34799371 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] received clarification, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-10): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300473 | XXXX |  | 34799373 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is going to securitization and reflects only [redacted]valuation when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-10): Provided CDA<br>Seller Comment (2022-03-10): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300452 | XXXX |  | 34799377 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender Cure Provided on Final CD. |  |  |  | Reviewer Comment (2022-03-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300452 | XXXX |  | 34799378 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender Cure Provided on Final CD. |  |  |  | Reviewer Comment (2022-03-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300452 | XXXX |  | 34799379 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender Cure Provided on Final CD. |  |  |  | Reviewer Comment (2022-03-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300472 | XXXX |  | 34799382 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial CD was received [redacted] which was the day before closing date of [redacted]. |  |  |  | Reviewer Comment (2022-03-10): [redacted] received the initial CD, exception is cleared.<br>Seller Comment (2022-03-09): [redacted] - Please see the attached Initial CD Package from [redacted] and TRID History showing it as Delivered and Clicked<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300480 | XXXX |  | 34799385 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required |  |  |  | Reviewer Comment (2022-03-14): Received CDA Desk Review<br>Seller Comment (2022-03-14): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300480 | XXXX |  | 34799386 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-03-17): Loan is SHQM (APOR).<br>Seller Comment (2022-03-17): [redacted] Please see the attached itemization of settlement fees dated on [redacted].<br>Reviewer Comment (2022-03-15): Received itemization of seller credit but it's dated [redacted] which is after the note date of [redacted].<br>Seller Comment (2022-03-14): [redacted] - Please see the attached QM Test, Hight Cost Test, and Seller CD. $[redacted] is excludable due to the Seller Credit (see Seller CD). Total P&Fs $[redacted] / Amount Financed $[redacted] = [redacted]%. Loan passes QM.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300480 | XXXX |  | 34799387 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). |  |  |  |  | Reviewer Comment (2022-03-17): Offset applied for seller paid loan discounts per Itemization bringing P&F under QM[redacted]% threshold.<br>Seller Comment (2022-03-17): [redacted] Please see the attached itemization of settlement fees dated on [redacted].<br>Reviewer Comment (2022-03-15): Received itemization of seller credit but it's dated [redacted] which is after the note date of [redacted].<br>Seller Comment (2022-03-14): [redacted] - Please see the attached QM Test, Hight Cost Test, and Seller CD. $[redacted] is excludable due to the Seller Credit (see Seller CD). Total P&Fs $[redacted] / Amount Financed $[redacted] = [redacted]%. Loan passes QM.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300480 | XXXX |  | 34799390 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300480 | XXXX |  | 34799391 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300480 | XXXX |  | 34799392 |  | 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) |  |  |  |  | Reviewer Comment (2022-03-17): Loan is not HOEPA due to offset applied.<br>Seller Comment (2022-03-17): [redacted] Please see the attached high cost test dated on [redacted].<br>Reviewer Comment (2022-03-15): Loan fails High Cost testing based on documentation provided. Itemization is dated after closing.<br>Buyer Comment (2022-03-14): [redacted] - Non-Applicable. Loan passes HOEPA.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300480 | XXXX |  | 34799393 |  | 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 |  |  |  |  | Reviewer Comment (2022-03-17): Loan is not HOEPA due to offset applied.<br>Seller Comment (2022-03-17): [redacted] Please see the attached high cost test dated on [redacted].<br>Reviewer Comment (2022-03-15): Loan fails High Cost testing based on documentation provided. Itemization is dated after closing.<br>Buyer Comment (2022-03-14): [redacted] - Non-Applicable. Loan passes HOEPA.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300480 | XXXX |  | 34799394 |  | 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. |  |  |  |  | Reviewer Comment (2022-03-17): Offset applied for seller paid loan discounts per Itemization bringing P&F under HOEPA threshold.<br>Seller Comment (2022-03-17): [redacted] Please see the attached high cost test dated on [redacted].<br>Reviewer Comment (2022-03-15): Loan fails High Cost testing based on documentation provided. Itemization is dated after closing.<br>Seller Comment (2022-03-14): [redacted] - Please see the attached QM Test, Hight Cost Test, and Seller CD. $[redacted] is excludable due to the Seller Credit (see Seller CD). Total P&Fs $[redacted] / Amount Financed $[redacted] = [redacted]%. Loan passes HOEPA.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | (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.<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300480 | XXXX |  | 34799395 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. |  |  |  |  | Reviewer Comment (2022-03-17): Loan is not HOEPA due to offset applied.<br>Seller Comment (2022-03-17): [redacted] Please see the attached high cost test dated on [redacted].<br>Reviewer Comment (2022-03-15): Loan fails High Cost testing based on documentation provided. Itemization is dated after closing.<br>Seller Comment (2022-03-14): [redacted] - Please see the attached Homeownership Counseling Notice.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300480 | XXXX |  | 34799396 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (ATR - Income: REO 25% Method) | [redacted] High-Cost Mortgage (Closed-end ATR): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2022-03-17): Loan is not HOEPA due to offset applied.<br>Seller Comment (2022-03-17): [redacted]: Please see form [redacted] confirming use of rental income for subject property<br>Reviewer Comment (2022-03-17): [redacted] received Lease for [redacted]. Missing is the signed/dated current Lease Agreement for [redacted]. Exception remains open.<br>Seller Comment (2022-03-16): [redacted]: Please see attached lease agreement. Qualifying exception to use lease agreement for full income is primary conversion.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300436 | XXXX |  | 34799400 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided sufficient cure at close. |  |  |  | Reviewer Comment (2022-03-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300436 | XXXX |  | 34799401 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Lender provided sufficient cure at close. |  |  |  | Reviewer Comment (2022-03-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300387 | XXXX |  | 34799405 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-10): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300477 | XXXX |  | 34799407 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-15): Received CDA issued [redacted] which reflects a [redacted]% variance from the appraised value. Value is supported.<br>Seller Comment (2022-03-15): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300411 | XXXX |  | 34799409 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | The loan is to be securitized and a secondary appraisal was missing from the file. |  |  |  | Reviewer Comment (2022-03-15): Received CDA issued [redacted] which reflects a [redacted]% variance from the appraised value. Value is supported.<br>Seller Comment (2022-03-15): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300411 | XXXX |  | 34799411 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Documentation for the additional $[redacted] debt as indicated on the Final 1003 for the [redacted] property was not provided in the loan file. |  |  |  | Reviewer Comment (2022-03-11): Using the actual PITI on REO supported by doc. Exception cleared.<br>Buyer Comment (2022-03-11): [redacted]: Please rescind. Mortgage confirms escrow, but escrow amount is lower than tax bill and HOI on file, so conservatively we have hit for full mortgage payment, HOI, and Taxes.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300371 | XXXX |  | 34799413 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-11): Provided AVM<br>Seller Comment (2022-03-11): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300371 | XXXX |  | 34799415 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-10): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300369 | XXXX |  | 34799416 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to be securitized by second appraisal. No AVM or second appraisal provided. |  |  |  | Reviewer Comment (2022-03-14): Received CDA Desk Review<br>Seller Comment (2022-03-14): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300377 | XXXX |  | 34799419 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-15): Received CDA issued [redacted] which reflects a [redacted]% variance from the appraised value. Value is supported.<br>Seller Comment (2022-03-15): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300377 | XXXX |  | 34799421 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided sufficient Cure Credit for $[redacted], credit for Credit Report Fee. |  |  |  | Reviewer Comment (2022-03-10): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300406 | XXXX |  | 34799431 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-14): Received AVM<br>Seller Comment (2022-03-14): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300425 | XXXX |  | 34799432 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to be securitized. Secondary valuation is missing when [redacted] appraisal forms are required. |  |  |  | Reviewer Comment (2022-03-14): Received and input the Clear [redacted] CDA in support of the Appraisal value.<br>Seller Comment (2022-03-14): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300403 | XXXX |  | 34799437 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | No Valid COC provided in loan file. Lender cure provided $[redacted] |  |  |  | Reviewer Comment (2022-03-14): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300403 | XXXX |  | 34799438 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Lender used PITI for the investment property located at [redacted] as $[redacted] and $[redacted] for HOA, calculated amount from the mortgage statement is $[redacted] plus $[redacted] for the HOA fee. Calculated DTI is [redacted]%, lender used [redacted]%. |  |  |  | Reviewer Comment (2022-03-23): Received the lease agreement for the departing residence; DTI recalculated to [redacted]%.<br>Seller Comment (2022-03-22): [redacted]: Please see attached lease agreement for REO. Able to use due to property being a primary conversion. Also see updated AUS, 1008, and 1003.<br>Reviewer Comment (2022-03-16): Received Mortgage Statement and HOA Verification.<br>As per final 1003 PITI for property [redacted] is $[redacted] ([redacted]), however as per Mortgage Statement(dated-[redacted]) it is $[redacted]. Credit report(dated -[redacted]) is showing that this loan has been transferred from [redacted] to [redacted] and PITI is mentioned as $[redacted] ([redacted]), also as per Mortgage Servicing Transfer Disclosure this loan has been transferred from [redacted] to [redacted]. Hence considered PITI from credit report $[redacted].<br>Borrower's qualifying income is $[redacted], Co-borrower's qualifying income is $[redacted]. REO Properties [redacted]- (P&I-$[redacted], Ins-$[redacted], Taxes-$[redacted])= PITIA- $[redacted] and 2) [redacted]- (PITI-$[redacted], HOA-$[redacted])= PITIA-$[redacted]. Non REO Liability- $[redacted]. Calculated DTI is [redacted]% and AUS DTI is [redacted]%. Exception remains<br>Seller Comment (2022-03-15): [redacted]: Please see attached mortgage statement confirming escrow, and HOA dues. DTI is correct. Please rescind.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300403 | XXXX |  | 34799439 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [redacted]% and based on [redacted] of [redacted]% moderately exceed the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender used PITI for the investment property located at [redacted] as $[redacted] and $[redacted] for HOA, calculated amount from the mortgage statement is $[redacted] plus $[redacted] for the HOA fee. Calculated DTI is [redacted]%, lender used [redacted]%. |  |  |  | Reviewer Comment (2022-03-23): Received the lease agreement for the departing residence; DTI recalculated to [redacted]%.<br>Seller Comment (2022-03-22): [redacted]: Please see attached lease agreement for REO. Able to use due to property being a primary conversion. Also see updated AUS, 1008, and 1003.<br>Reviewer Comment (2022-03-16): Received Mortgage Statement and HOA Verification.<br>As per final 1003 PITI for property [redacted] is $[redacted] ([redacted]), however as per Mortgage Statement(dated-[redacted]) it is $[redacted]. Credit report(dated -[redacted]) is showing that this loan has been transferred from [redacted] to [redacted] and PITI is mentioned as $[redacted] ([redacted]), also as per Mortgage Servicing Transfer Disclosure this loan has been transferred from [redacted] to [redacted]. Hence considered PITI from credit report $[redacted].<br>Borrower's qualifying income is $[redacted], Co-borrower's qualifying income is $[redacted]. REO Properties [redacted]- (P&I-$[redacted], Ins-$[redacted], Taxes-$[redacted])= PITIA- $[redacted] and [redacted]- (PITI-$[redacted], HOA-$[redacted])= PITIA-$[redacted]. Non REO Liability- $[redacted]. Calculated DTI is [redacted]% and AUS DTI is [redacted]%.<br> Based on the client deal review directions, a guideline DTI maximum of [redacted]% is also a requirement to be met for loan approval. Exception remains<br>Seller Comment (2022-03-15): [redacted]: Please see attached mortgage statement confirming escrow, and HOA dues. DTI is correct. Please rescind.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300403 | XXXX |  | 34799440 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lender used PITI for the investment property located at [redacted] as $[redacted] and $[redacted] for HOA, calculated amount from the mortgage statement is $[redacted] plus $[redacted] for the HOA fee. Calculated DTI is [redacted]%, lender used [redacted]%. |  |  |  | Reviewer Comment (2022-03-23): Received the lease agreement for the departing residence; DTI recalculated to [redacted]%.<br>Seller Comment (2022-03-22): [redacted]: Please see attached lease agreement for REO. Able to use due to property being a primary conversion. Also see updated AUS, 1008, and 1003.<br>Reviewer Comment (2022-03-16): Received Mortgage Statement and HOA Verification.<br>As per final 1003 PITI for property [redacted] is $[redacted] ([redacted]), however as per Mortgage Statement(dated-[redacted]) it is $[redacted]. Credit report(dated -[redacted]) is showing that this loan has been transferred from [redacted] to [redacted] and PITI is mentioned as $[redacted] ([redacted]), also as per Mortgage Servicing Transfer Disclosure this loan has been transferred from [redacted] to [redacted]. Hence considered PITI from credit report $[redacted].<br>Borrower's qualifying income is $[redacted], Co-borrower's qualifying income is $[redacted]. REO Properties [redacted]- (P&I-$[redacted], Ins-$[redacted], Taxes-$[redacted])= PITIA- $[redacted] and [redacted]- (PITI-$[redacted], HOA-$[redacted])= PITIA-$[redacted]. Non REO Liability- $[redacted]. Calculated DTI is [redacted]% and AUS DTI is [redacted]%. Exception remains<br>Seller Comment (2022-03-15): [redacted]: Please see attached mortgage statement confirming escrow, and HOA dues. DTI is correct. Please rescind.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300403 | XXXX |  | 34799441 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Lender used PITI for the investment property located at [redacted] as $[redacted] and $[redacted] for HOA, calculated amount from the mortgage statement is $[redacted] plus $[redacted] for the HOA fee. Calculated DTI is [redacted]%, lender used [redacted]%. |  |  |  | Reviewer Comment (2022-03-23): Received the lease agreement for the departing residence; DTI recalculated to [redacted]%.<br>Seller Comment (2022-03-22): [redacted]: Please see attached lease agreement for REO. Able to use due to property being a primary conversion. Also see updated AUS, 1008, and 1003.<br>Reviewer Comment (2022-03-16): Received Mortgage Statement and HOA Verification.<br>As per final 1003 PITI for property [redacted] is $[redacted] ([redacted]), however as per Mortgage Statement(dated-[redacted]) it is $[redacted]. Credit report(dated -[redacted]) is showing that this loan has been transferred from [redacted] to [redacted] and PITI is mentioned as $[redacted] ([redacted]), also as per Mortgage Servicing Transfer Disclosure this loan has been transferred from [redacted] to [redacted]. Hence considered PITI from credit report $[redacted].<br>Borrower's qualifying income is $[redacted], Co-borrower's qualifying income is $[redacted]. REO Properties [redacted]- (P&I-$[redacted], Ins-$[redacted], Taxes-$[redacted])= PITIA- $[redacted] and [redacted]- (PITI-$[redacted], HOA-$[redacted])= PITIA-$[redacted]. Non REO Liability- $[redacted]. Calculated DTI is [redacted]% and AUS DTI is [redacted]%.<br> Based on the client deal review directions, a guideline DTI maximum of [redacted]% is also a requirement to be met for loan approval. Exception remains<br>Seller Comment (2022-03-15): [redacted]: Please see attached mortgage statement confirming escrow, and HOA dues. DTI is correct. Please rescind.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300403 | XXXX |  | 34799442 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted]or more guideline components, the loan is at QM risk. | Lender used PITI for the investment property located at [redacted] as $[redacted] and $[redacted] for HOA, calculated amount from the mortgage statement is $[redacted] plus $[redacted] for the HOA fee. Calculated DTI is [redacted]%, lender used [redacted]%. |  |  |  | Reviewer Comment (2022-03-23): Received the lease agreement for the departing residence; DTI recalculated to [redacted]%.<br>Seller Comment (2022-03-22): [redacted]: Please see attached lease agreement for REO. Able to use due to property being a primary conversion. Also see updated AUS, 1008, and 1003.<br>Reviewer Comment (2022-03-16): Received Mortgage Statement and HOA Verification.<br>As per final 1003 PITI for property [redacted] is $[redacted] ([redacted]), however as per Mortgage Statement(dated-[redacted]) it is $[redacted]. Credit report(dated -[redacted]) is showing that this loan has been transferred from [redacted] to [redacted] and PITI is mentioned as $[redacted] ([redacted]), also as per Mortgage Servicing Transfer Disclosure this loan has been transferred from [redacted] to [redacted]. Hence considered PITI from credit report $[redacted].<br>Borrower's qualifying income is $[redacted], Co-borrower's qualifying income is $[redacted]. REO Properties [redacted]- (P&I-$[redacted], Ins-$[redacted], Taxes-$[redacted])= PITIA- $[redacted] and [redacted]- (PITI-$[redacted], HOA-$[redacted])= PITIA-$[redacted]. Non REO Liability- $[redacted]. Calculated DTI is [redacted]% and AUS DTI is [redacted]%. Exception remains<br>Seller Comment (2022-03-15): [redacted]: Please see attached mortgage statement confirming escrow, and HOA dues. DTI is correct. Please rescind.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300408 | XXXX |  | 34799451 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-15): Provided AVM<br>Seller Comment (2022-03-15): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300408 | XXXX |  | 34799453 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided $[redacted] credit at closing for increase in closing costs above legal limits. |  |  |  | Reviewer Comment (2022-03-14): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300370 | XXXX |  | 34799458 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-16): Provided AVM<br>Seller Comment (2022-03-16): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300370 | XXXX |  | 34799460 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-15): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300350 | XXXX |  | 34799467 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | Gift Funds are being transferred at closing in the amount of $[redacted] Please provided a copy of the cashier's check or wire directly to the Settlement Agent. |  |  |  | Reviewer Comment (2022-03-16): Received the wire transfer deposit receipt. Exception has cleared.<br>Seller Comment (2022-03-16): [redacted]: Please see receipt of gift for $[redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300386 | XXXX |  | 34799472 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-16): Provided AVM<br>Seller Comment (2022-03-16): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300386 | XXXX |  | 34799473 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] business days prior to consummation | Final Closing Disclosure issued [redacted] has an interest rate of [redacted]% and a change in APR that was not provided to the borrower(s) at least [redacted] days prior to closing |  |  |  | Reviewer Comment (2022-03-17): [redacted] received sequence of disclosures and sufficient timing given<br>Seller Comment (2022-03-17): [redacted] - Please see the attached CDs, CofCs, and Lock Confirmations. Loan program changed, loan amount changed, interest rate changed. All changes were disclosed to and executed by the borrower on [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | TRID timing exception, no remediation available.<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300431 | XXXX |  | 34799475 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided sufficient cure. |  |  |  | Reviewer Comment (2022-03-16): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300429 | XXXX |  | 34799477 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Provide COC to explain increase in recording fee |  |  |  | Reviewer Comment (2022-04-08): "[redacted] received PCCD , LOE and final SS in order to clear this exception.<br>Seller Comment (2022-04-08): akw [redacted] Please see attached.<br>Reviewer Comment (2022-04-01): [redacted] upon further review require PCCD and LOE for the same. Please provide PCCD and LOE to reflect recording fee as per final [redacted] and also please provide true and certified copy of final settlement statement.<br>Seller Comment (2022-03-31): [redacted] Please see attached final settlement statement which reflects the recording fees as a charge of $[redacted] which is within the [redacted]% tolerance.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300394 | XXXX |  | 34799480 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-18): Received CDA Desk Review. Exception has cleared.<br>Seller Comment (2022-03-18): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300312 | XXXX |  | 34799482 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). |  |  |  |  | Reviewer Comment (2022-03-18): Itemization provided.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300312 | XXXX |  | 34799484 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan Fails testing due to excessive Points and Fees. |  |  |  | Reviewer Comment (2022-03-18): Itemization provided. Offset applied for Seller Paid Discount Points. Loan no longer exceeds P&F threshold.<br>Seller Comment (2022-03-17): [redacted] The Discount charge is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within [redacted]% higher than APOR which allows for [redacted]% bonafide discount to be applied.<br>Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[redacted] - $[redacted] = $[redacted] / $[redacted] = [redacted]%<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300312 | XXXX |  | 34799485 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Provide an Itemization of Amount Financed to apply any Lender Credits or Seller Concessions |  |  |  | Reviewer Comment (2022-03-18): Itemization provided. Offset applied for Seller Paid Discount Points. Loan no longer exceeds P&F threshold.<br>Seller Comment (2022-03-17): [redacted] The Discount charge is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within [redacted]% higher than APOR which allows for [redacted]% bonafide discount to be applied.<br>Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[redacted] - $[redacted] = $[redacted] / $[redacted] = [redacted]%<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300304 | XXXX |  | 34799488 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-17): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300374 | XXXX |  | 34799490 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Please provide evidence the subject had insurance coverage from the disbursement date of [redacted], to the stated effective date of [redacted] on the policy provided. |  |  |  | Reviewer Comment (2022-03-18): Lender provided evidence of hazard policy starting [redacted].<br>Seller Comment (2022-03-18): [redacted]: Please see attached HIO policy, confirming effective date as same date of funds disbursed of [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300346 | XXXX |  | 34799495 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-03-28): Received AVM issued [redacted] which reflects a [redacted]% variance from the appraised value. Value is supported.<br>Seller Comment (2022-03-28): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300346 | XXXX |  | 34799498 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure for [redacted]% tolerance violation for $[redacted] was provided. |  |  |  | Reviewer Comment (2022-03-17): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300346 | XXXX |  | 34799499 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Title - Recording Service Fee of $[redacted] was not disclosed on the Loan Estimate. No valid Changed Circumstance provided; nor, was there evidence of a cure in file. |  |  |  | Reviewer Comment (2022-03-17): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300393 | XXXX |  | 34799508 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-03-28): Received CDA issued [redacted] which reflects a [redacted]% variance from the appraised value. Value is supported.<br>Seller Comment (2022-03-28): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300393 | XXXX |  | 34799509 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). |  |  |  |  | Reviewer Comment (2022-03-23): Offset for seller paid loan discounts provided per Itemization which brings QM [redacted]% P&F under threshold.<br>Seller Comment (2022-03-23): [redacted] Please see the attached passing QM and Itemization of settlement fees that shows the borrowers discount points and the underwriting fee were covered by a seller credit.<br>Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[redacted] - $[redacted] = $[redacted] / $[redacted]= [redacted]%<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300393 | XXXX |  | 34799512 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-03-23): Loan is SHQM (APOR).<br>Seller Comment (2022-03-23): [redacted] Please see the attached passing QM and Itemization of settlement fees that shows the borrowers discount points and the underwriting fee were covered by a seller credit. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage $[redacted] - $[redacted] = $[redacted] / $[redacted] = [redacted]%<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300364 | XXXX |  | 34799515 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided sufficient Lender Cure for $[redacted] for Credit Report Fee. |  |  |  | Reviewer Comment (2022-03-22): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300335 | XXXX |  | 34799520 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-23): Provided CDA<br>Seller Comment (2022-03-23): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300454 | XXXX |  | 34799523 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-24): Received and input the [redacted] CDA in support of the Appraised value.<br>Seller Comment (2022-03-24): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300454 | XXXX |  | 34799524 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-22): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300441 | XXXX |  | 34799527 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | QM fail due to Points and Fees exceeding [redacted]% tolerance. |  |  |  | Reviewer Comment (2022-04-07): Loan is SHQM (APOR).<br>Seller Comment (2022-04-05): [redacted] - See attached PCCD, LOE, and [redacted] label<br>Reviewer Comment (2022-04-04): Received PCCD issued [redacted] reflecting a seller credit of $[redacted] but it doesn't match any itemization that was provided by the lender. Exception remains.<br>Seller Comment (2022-04-01): [redacted] - See attached PCCD, LOE, and [redacted] label<br>Reviewer Comment (2022-03-30): Received itemization reflecting a credit of $[redacted] paid by other but it's dated [redacted], the note is dated [redacted]. Exception remains.<br>Seller Comment (2022-03-29): akw Please see attached itemization for the PCCD.<br>Reviewer Comment (2022-03-25): Received itemization reflecting seller credit totaling $[redacted] but the PCCD reflects a realtor credit of $[redacted]. Itemization does not match up to the PCCD. Exception remains.<br>Seller Comment (2022-03-25): akw [redacted] Please see attached.<br>Reviewer Comment (2022-03-25): Received itemization but it's dated [redacted], the note date is [redacted].<br>Seller Comment (2022-03-24): [redacted] Please see the attached itemization of settlement fees that shows there was a seller credit that covered the UW and a portion of the discount points.<br>Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[redacted] - $[redacted] = $[redacted] / $[redacted] = [redacted] %<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300441 | XXXX |  | 34799528 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Points and Fees exceed [redacted]% tolerance. |  |  |  | Reviewer Comment (2022-04-07): Offset of discount points paid by seller per Itemization.<br>Seller Comment (2022-04-05): [redacted] - See attached PCCD, LOE, and [redacted] label<br>Reviewer Comment (2022-04-04): Received PCCD issued [redacted] reflecting a seller credit of $[redacted] but it doesn't match any itemization that was provided by the lender. Exception remains.<br>Seller Comment (2022-04-01): [redacted]- See attached PCCD, LOE, and [redacted] label<br>Reviewer Comment (2022-03-30): Received itemization reflecting a credit of $[redacted] paid by other but it's dated [redacted], the note is dated [redacted]. Exception remains.<br>Seller Comment (2022-03-29): akw Please see attached itemization for the PCCD.<br>Reviewer Comment (2022-03-25): Received itemization reflecting seller credit totaling $[redacted] but the PCCD reflects a realtor credit of $[redacted]. Itemization does not match up to the PCCD. Exception remains.<br>Seller Comment (2022-03-25): akw [redacted] Please see attached<br>Reviewer Comment (2022-03-25): Received itemization but it's dated [redacted], the note date is [redacted].<br>Seller Comment (2022-03-24): [redacted] Please see the attached itemization of settlement fees that shows there was a seller credit that covered the UW and a portion of the discount points. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage $[redacted] - $[redacted] = $[redacted]/ $[redacted] = [redacted] %<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300332 | XXXX |  | 34799532 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-03-24): Received and input the [redacted] CDA in support of the Appraised value.<br>Seller Comment (2022-03-24): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300340 | XXXX |  | 34799548 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-23): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300359 | XXXX |  | 34799552 |  | 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. |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | D<br> B<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300359 | XXXX |  | 34799553 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-25): Provided CDA<br>Seller Comment (2022-03-25): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> B<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300359 | XXXX |  | 34799555 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The EMD was not documented in file. |  |  |  | Reviewer Comment (2022-03-25): Sufficient funds available for cash from borrower as well as closing requirement is met. Hence exception cleared.<br>Seller Comment (2022-03-24): [redacted]: Please note that EMD is not needed to reach amount of $[redacted] for funds to closing. Note that [redacted] account [redacted] and [redacted] account [redacted] are both used.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> B<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300381 | XXXX |  | 34799557 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-03-28): Received CDA issued [redacted] which reflects a [redacted]% variance from the appraised value. Value is supported.<br>Seller Comment (2022-03-28): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300381 | XXXX |  | 34799559 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-24): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300456 | XXXX |  | 34799562 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | The credit report fee exceed the tolerance os $[redacted] however sufficient cure was provided. |  |  |  | Reviewer Comment (2022-03-24): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300323 | XXXX |  | 34799567 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-28): Received CDA issued [redacted] which reflects a [redacted]% variance from the appraised value. Value is supported.<br>Seller Comment (2022-03-28): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300328 | XXXX |  | 34799570 |  | 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 |  |  |  |  | Reviewer Comment (2022-03-29): Itemization received for seller credit. Loan no longer exceeds P&F threshold.<br>Seller Comment (2022-03-28): [redacted] - Please see the attached Initial Disclosure Package and TRID history showing proof of receipt.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300328 | XXXX |  | 34799571 |  | 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. | 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. |  |  |  | Reviewer Comment (2022-03-29): Itemization received for seller credit. Loan no longer exceeds P&F threshold.<br>Seller Comment (2022-03-28): [redacted] - see attached passing QM test and itemization of fees list. $[redacted] of discount points is seller paid and not included in QM. file is passing.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | (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.<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300328 | XXXX |  | 34799572 |  | 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. | Borrower did not receive pre-loan counseling. |  |  |  | Reviewer Comment (2022-03-29): Itemization received for seller credit. Loan no longer exceeds P&F threshold.<br>Seller Comment (2022-03-28): [redacted] - Please see the attached Initial Disclosure Package and TRID history showing proof of receipt.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300328 | XXXX |  | 34799573 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). |  |  |  | Reviewer Comment (2022-03-29): Itemization received for seller credit. Loan no longer exceeds P&F threshold.<br>Seller Comment (2022-03-28): [redacted] - see attached passing QM test and itemization of fees list. $[redacted] of discount points is seller paid and not included in QM. file is passing.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300328 | XXXX |  | 34799575 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failed due to QM points and fees violation |  |  |  | Reviewer Comment (2022-03-29): Itemization received for seller credit. Loan no longer exceeds P&F threshold.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300328 | XXXX |  | 34799577 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-[redacted] Citizen Status not provided |  | Missing copy of permanent resident card for both borrowers. |  |  |  | Reviewer Comment (2022-03-30): Received updated final 1003 with citizenship of the borrowers changed to Non-PRA. The file already has employer VISA ([redacted]) for borrower and Application to extend/change Non-immigrant status [redacted] for co-borrower which are acceptable. Attached final updated 1003 and VISAs. Exception cleared.<br>Seller Comment (2022-03-29): [redacted]: The borrowers are non-permanent residents. Please see the attached 1003 correcting.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300328 | XXXX |  | 34799578 |  | 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. |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>Reviewer Comment (2022-03-29): Provided Title Commitment has policy amount and other details hand written, hence cannot be accepted, please provide a valid and acceptable document.<br>Seller Comment (2022-03-29): [redacted] See attachment<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300373 | XXXX |  | 34799582 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-24): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300321 | XXXX |  | 34799587 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Appraisal is in the name of [redacted] |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300321 | XXXX |  | 34799588 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing supporting docs for the $[redacted]/Month used to qualify. Mortgage statement indicates taxes & insurance are already escrowed |  |  |  | Reviewer Comment (2022-03-30): Received updated 1003 reflecting the the monthly payments of $[redacted] for property address "[redacted]". These additional payments are : Auto & Travel - $[redacted] Legal and other professional fees - $[redacted], Repairs - $[redacted], Management fees - $[redacted] and Gardening - $[redacted] Total - $[redacted] = $[redacted] which are verified from Schedule [redacted]. The calculated DTI due to this is $[redacted]% and is within the DTI limit of [redacted]%. Updated 1003 attached. Exception cleared.<br>Seller Comment (2022-03-29): [redacted]: Please see the attached corrected 1003. The extra $[redacted] are due to using rental income. This is the extra expenses on the tax returns that [redacted] requires be factored into the DTI.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300348 | XXXX |  | 34799590 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | This exception will be cleared when the points & fees violation is cured. |  |  |  | Reviewer Comment (2022-03-30): Received updated QM breakdown with an updated par rate.<br>Seller Comment (2022-03-29): [redacted] - Please see the attached QM Test, High Cost Test, and Lock Confirmation. Pricing changed after the rate lock, increasing the Par Rate to [redacted]%. The Discount points bought this down to the Note rate of [redacted]%. The discount points are bona fide due to the Par Rate being [redacted]% more than the APOR, allowing for [redacted]% in bona fide points, or $[redacted], leaving $[redacted] in Total P&Fs, or [redacted]%. Loan passes QM.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300348 | XXXX |  | 34799591 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | The par rate reflected on the [redacted] QM breakdown was [redacted]%; the note rate is [redacted]%. Therefore, the discount points aren't considered bona fide. If different, please provide evidence of the par rate when the loan was locked on [redacted]. |  |  |  | Reviewer Comment (2022-03-30): Received updated QM breakdown with an updated par rate.<br>Seller Comment (2022-03-29): [redacted] - Please see the attached QM Test, High Cost Test, and Lock Confirmation. Pricing changed after the rate lock, increasing the Par Rate to [redacted]%. The Discount points bought this down to the Note rate of [redacted]%. The discount points are bona fide due to the Par Rate being [redacted]% more than the APOR, allowing for [redacted]% in bona fide points, or $[redacted], leaving $[redacted] in Total P&Fs, or [redacted]%. Loan passes QM.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300348 | XXXX |  | 34799593 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | The final CD reflects a $[redacted] lender credit for this tolerance violation. |  |  |  | Reviewer Comment (2022-03-28): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300375 | XXXX |  | 34799595 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Certification fee in the amount of [redacted] exceeds tolerance of [redacted] and there was no cure provided to the borrower |  |  |  | Reviewer Comment (2022-04-13): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check.<br>Seller Comment (2022-04-13): [redacted] - See attached check, LOE, PCCD, [redacted] label<br>Reviewer Comment (2022-04-08): [redacted] would request to provide a corrected CD, copy of the refund check, Proof of mailing, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br>Buyer Comment (2022-04-08): [redacted] - We agree with you and are going to make a refund of $[redacted] to clear this finding.<br>Reviewer Comment (2022-04-05): [redacted] Received COC dated [redacted] is acceptable showing a valid reason for change for increase in the fees, however the COC dated [redacted] does not give any valid reason why this Certification fee was added. Please provide a valid reason on COC specifying why the Certification fee was added on CD dated [redacted] or provide cure documents.<br>Seller Comment (2022-04-04): [redacted] - I have attached another doc showing the [redacted] conditions. Both were added on [redacted].<br>Reviewer Comment (2022-04-04): [redacted] upon further review, the provided document is not legible. Kindly provide a legible document or valid COC or cure Docs for the same.<br>Seller Comment (2022-04-01): [redacted] - The questionnaire did not answer the deferred maintenance. Went through [redacted] that offered the budget and meeting minutes to meet the questionnaire requirements, which caused the HOA cert to increase. See attached conditions from the UW on [redacted].<br>Reviewer Comment (2022-03-31): [redacted] received the Invoice however it does not explain the reason for the fee increase. Also the Changed Circumstance did not provide information on change that necessitated the increase of the fee. Additional information on the change is needed to determine if the fee can be rebase lined Or provide lender cure along with Post close CD, LOE, Proof of Delivery and Copy of check<br>Seller Comment (2022-03-30): akw [redacted] The increase is due to the attached invoice.<br>Reviewer Comment (2022-03-30): [redacted] upon further review, received COC dated [redacted]; however, additional detailed information on "why" the Certification fee was increased on [redacted] is required. Please provide a valid COC or cure documents. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2022-03-30): [redacted] Please see attached COC form that does explain the reasoning for the increase in fee.<br>Reviewer Comment (2022-03-30): [redacted] received COC dated [redacted] for increase in HOA Certification Fee / Condition screenshot and Invoice. However Changed Circumstance did not provide information on change that necessitated the increase of the fee. Additional information on the change is needed to determine if the fee can be rebase lined Or provide lender cure along with Post close CD, LOE, Proof of Delivery and Copy of check.<br>Seller Comment (2022-03-29): [redacted] On [redacted] there was a COC submitted to increase the HOA Certification fee to $[redacted], the reason is we received an invoice for the HOA Certification fee on [redacted] for additional HOA fees, this was disclosed on a CD on [redacted]. The HOA Certification Fee was also conditioned for on [redacted], so this meets the [redacted] day requirement. Please see attached COC, condition screenshot, CD, and invoice.<br>|  | XXXX |  | 2<br> C<br> B |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300375 | XXXX |  | 34799596 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Credit report fee in the amount of [redacted] exceed tolerance of [redacted], there was sufficient cure provided to the borrower. |  |  |  | Reviewer Comment (2022-04-13): [redacted] received Sufficient cure at closing for the Credit report fee increased.<br>Reviewer Comment (2022-03-30): [redacted] upon further review, cure provided at closing is insufficient to cure all the citing. We will clear the exception once we received resolution on all the citing's.<br>Seller Comment (2022-03-30): [redacted] Please see attached COC form that does explain the reasoning for the increase in fee.<br>Reviewer Comment (2022-03-30): [redacted]: Cure provided at closing is insufficient to cure for all the citing (additional exception) exception. Exception remains.<br>Seller Comment (2022-03-29): [redacted] Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $[redacted] in section J on the Closing Disclosure for the increase in Credit Report from $[redacted] to $[redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300375 | XXXX |  | 34799598 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-04-13): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300351 | XXXX |  | 34799606 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Fee change as a result of change of circumstance in file. |  |  |  | Reviewer Comment (2022-03-29): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300443 | XXXX |  | 34799609 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-03-30): Provided CDA<br>Seller Comment (2022-03-30): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300443 | XXXX |  | 34799610 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO [redacted]% Method | General QM: Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Missing valid lease agreement |  |  |  | Reviewer Comment (2022-04-04): Received the signed/dated Lease Agreements. Exception has cleared.<br>Seller Comment (2022-04-01): [redacted]: Please see attached lease for [redacted].<br>Reviewer Comment (2022-03-31): Received and Reviewed the Management Agreement for [redacted] & [redacted] The Agreement does not provide evidence of the amount of rental income received and terms of the rental contract as it just lists that the Management company's fee is [redacted]% of Rental income Received. In order to use the Rental income in qualifications proof of rents received via a Lease with the amount of Rental Income Collected and Terms of the Lease. Upon receipt and review, bank statements as proof of Rental income receipt may be required. Exception remains.<br>Buyer Comment (2022-03-31): [redacted]: Please rescind. See terms of lease confirming that broker is liable for making payments. This confirms that borrower has obligated party making payments for lease, which is what is required to use rental income.<br>Reviewer Comment (2022-03-31): The following agreement for property '[redacted]', is of Property Management Agreement between Owner and the broker. Provide Lease Agreement or Form 1007/1025 for the property showing Rental Income. Exception Remains.<br>Seller Comment (2022-03-30): [redacted]: Please see lease for both properties.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300443 | XXXX |  | 34799611 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO [redacted]% Method | General QM: Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Missing valid lease agreement |  |  |  | Reviewer Comment (2022-04-04): Received the signed/dated Lease Agreements. Exception has cleared.<br>Seller Comment (2022-04-01): [redacted]: Please see lease for [redacted]<br>Reviewer Comment (2022-03-31): Received and Reviewed the Management Agreement for [redacted] & [redacted]. The Agreement does not provide evidence of the amount of rental income received and terms of the rental contract as it just lists that the Management company's fee is [redacted]% of Rental income Received. In order to use the Rental income in qualifications proof of rents received via a Lease with the amount of Rental Income Collected and Terms of the Lease. Upon receipt and review, bank statements as proof of Rental income receipt may be required. Exception remains.<br>Buyer Comment (2022-03-31): [redacted]: Please rescind. See terms of lease confirming that broker is liable for making payments. This confirms that borrower has obligated party making payments for lease, which is what is required to use rental income.<br>Reviewer Comment (2022-03-31): The following agreement for property '[redacted]', is of Property Management Agreement between Owner and the broker. Provide Lease Agreement or Form 1007/1025 for the property showing Rental Income. Exception Remains.<br>Seller Comment (2022-03-30): [redacted]: Please see lease for both properties.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300443 | XXXX |  | 34799612 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan fails testing due to missing documentation |  |  |  | Reviewer Comment (2022-04-04): Received the signed/dated Lease Agreements. Exception has cleared.<br>Reviewer Comment (2022-03-31): Received and Reviewed the Management Agreement for [redacted] & [redacted]. The Agreement does not provide evidence of the amount of rental income received and terms of the rental contract as it just lists that the Management company's fee is [redacted]% of Rental income Received. In order to use the Rental income in qualifications proof of rents received via a Lease with the amount of Rental Income Collected and Terms of the Lease. Upon receipt and review, bank statements as proof of Rental income receipt may be required. Exception remains.<br>Buyer Comment (2022-03-31): [redacted]: Please rescind. Please clear based on documentation and responses to other conditions.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Second Home | Purchase | Lender to provide updated ATR/QM status<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300443 | XXXX |  | 34799614 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-03-29): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300344 | XXXX |  | 34799615 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure was insufficient. Lender provided only $[redacted] |  |  |  | Reviewer Comment (2022-03-29): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300396 | XXXX |  | 34799618 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-03-30): Provided CDA<br>Seller Comment (2022-03-30): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300347 | XXXX |  | 34799621 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided sufficient cure for $[redacted], credit for Credit Report fee. |  |  |  | Reviewer Comment (2022-03-29): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300311 | XXXX |  | 34799628 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | The credit report fee in the amount of [redacted] exceeds tolerance of [redacted], sufficient cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-03-30): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300354 | XXXX |  | 34799633 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2022-04-11): The amounts were recalculated; the [redacted]% burden reflected in DU [redacted] was just barely met. Therefore, evidence of receipt of the liquidated stocks isn't required. Exception cleared.<br>Seller Comment (2022-04-11): [redacted]: Thank you for the review and clarification of the assets. [redacted] does not require a [redacted]% haircut of stock accounts as that was a Covid guideline that has since expired. Please see the attached guideline from [redacted] that requires the balance of the stock account to be [redacted]% more than the required cash to close. After the liquid assets have been accounted for, we are short $[redacted] to close. [redacted]% that amount is $[redacted] so the stock account can cover [redacted]$ the remaining cash to close and can be used. The borrower was not short funds to close. Thanks!<br>Reviewer Comment (2022-04-06): Duplicate trailing docs were received. The [redacted] account cannot be qualified at [redacted]%, as the [redacted]% burden reflected in DU [redacted] wasn't met (reason for shortage). Cash from borrower, per [redacted] PCCD was calculated as follows: $[redacted] (POC for appraisal) + $[redacted] (EMD) + $[redacted] (funds-to-close) = $[redacted]. Available assets were calculated as follows: $[redacted] ([redacted]) + $[redacted] (#[redacted]) + $[redacted] (#[redacted]) + $[redacted] (EMD) + $[redacted] (gift) = $[redacted]. $[redacted] - $[redacted] = $[redacted] (shortage). Exception remains.<br>Seller Comment (2022-04-05): [redacted]: Please rescind. The rejection is entirely contradicting the original condition balances. Verified assets are $[redacted] from [redacted]; Gift of $[redacted]; $[redacted] from [redacted]; and $[redacted] from [redacted] for a total of $[redacted] not including the EMD. Sufficient funds are verified.<br>Reviewer Comment (2022-04-01): As per Final 1003, AUS report and Final CD, Cash to Close requirement is $[redacted]. Assets present in file are for amount $[redacted]. Shortfall is for amount $[redacted]. Hence Provide additional assets for the same. Exception Remains.<br>Seller Comment (2022-03-31): [redacted]: Please rescind. Cash to close cited is incorrect. Please see the attached subject CD showing final funds to close was $[redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300309 | XXXX |  | 34799640 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure amount of $[redacted] was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-04-01): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300395 | XXXX |  | 34799642 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Declarations or Binder has not been provided. Only the premium payment page for the [redacted] policy for the subject was in the file. Please provide the missing pages of the Hazard Insurance Declarations or Binder that provides the detail on the coverage provided. |  |  |  | Reviewer Comment (2022-04-05): Received complete hazard policy.<br>Seller Comment (2022-04-05): [redacted]: Please rescind. Insurance reflects all necessary information.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300395 | XXXX |  | 34799644 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Discrepancy in taxes exists. Lender shows a monthly payment for taxes at $[redacted]. Taxes verified with tax certificate generated on [redacted] reflects the combined taxes and assessments at $[redacted], resulting in a monthly tax amount of $[redacted]. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300288 | XXXX |  | 34799649 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Points and fees exceed [redacted]% of loan amount. |  |  |  | Reviewer Comment (2022-04-05): Received correspondent discount price disclosure reflecting the par rate.<br>Seller Comment (2022-04-05): [redacted] Please see attached Correspondent Discount Points Documentation that shows the PAR rate. The Par rate(also known as undiscounted rate) is within [redacted]% higher than APOR which allows for [redacted]% bonafide discount to be applied.<br>Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[redacted] - $[redacted] = $[redacted] / $[redacted] = [redacted] %<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300288 | XXXX |  | 34799650 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Points and fees exceed [redacted]% of loan amount. Missing evidence of correspondent documentation reflecting bona fide discount points. |  |  |  | Reviewer Comment (2022-04-05): Received correspondent discount price disclosure reflecting the par rate.<br>Seller Comment (2022-04-05): [redacted] Please see attached Correspondent Discount Points Documentation that shows the PAR rate. The Par rate(also known as undiscounted rate) is within [redacted]% higher than APOR which allows for [redacted]% bonafide discount to be applied.<br>Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[redacted] - $[redacted] = $[redacted] / $[redacted] = [redacted] %<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300289 | XXXX |  | 34799654 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Insurance Binder Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Insurance Binder Fee was last disclosed as $[redacted] on the LE but disclosed as $[redacted] on the Final Closing Disclosure. File does not contain a valid COC for this fee and a cure has not been provided at closing. |  |  |  | Reviewer Comment (2022-04-19): [redacted] received: Letter of Explanation, Proof of Mailing, Copy of Refund Check, and Corrected PCCD.<br>Seller Comment (2022-04-18): [redacted]: PCCD< LOX, PCCD, Check to borrower and POD<br>Reviewer Comment (2022-04-06): [redacted] upon further review the invoice indicates the fee was $[redacted] on [redacted].It appears the fee was $[redacted] regardless of the inflation guard missing. So fee should be disclosed on CD dated [redacted]. Additionally, receiving an updated invoice is not a valid changed circumstance. A corrected CD, LOE, refund check, and proof of mailing is needed to cure.<br>Seller Comment (2022-04-05): [redacted] The condition for the fee increase was initially dated [redacted] and the invoice was dated [redacted]. Also the fee increase was disclosed on [redacted]. Since the condition, the COC, and the redisclosure all meet the [redacted] day requirement from date of discovery, no tolerance is necessary.<br>Reviewer Comment (2022-04-05): [redacted] upon further review, received COC dated [redacted]. However, the invoice indicates the fee was $[redacted] on [redacted]. It was not until [redacted] it was indicated that the inflation guard coverage was missing. Receiving an updated invoice is not a valid changed circumstance. A corrected CD, LOE, refund check, and proof of mailing is needed to cure.<br>Seller Comment (2022-04-04): [redacted] On [redacted] a COC was submitted to increase the Master Policy fee from $[redacted] to $[redacted]. The reason this fee needed to be increased was the original master insurance policy was missing inflation guard coverage, and there was a fee associated with adding this. This was conditioned for on [redacted] and the invoice is dated [redacted], so this is within [redacted] days. The fee increase was disclosed on a CD on [redacted]. Please see attached CD, COC, invoice, and condition associated with the master policy fee increase.<br>|  | XXXX |  | 2<br> C<br> B |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300278 | XXXX |  | 34799662 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>Reviewer Comment (2022-04-14): Unable to clear. Received the Preliminary Title which does not reflect coverage amount. Exception remains open.<br>Seller Comment (2022-04-14): [redacted] please see attached document.<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300278 | XXXX |  | 34799663 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Interest rate discrepancy. |  |  |  |  |  | Reviewer Comment (2022-04-08): Received updated AUS.<br>Seller Comment (2022-04-08): [redacted]: Please see attached AUS findings for [redacted]. See print in portrait and landscape to show all information.<br>Reviewer Comment (2022-04-08): Provide an updated AUS with sections Credit Report details, Transaction details, Assets and reserve messages along with Credit and liability messages data filled in as the current AUS LP [redacted] contains partial data of these sections. Exception Remains.<br>Seller Comment (2022-04-07): [redacted]: Please rescind. Please see attached AUS with correct interest rate.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300278 | XXXX |  | 34799665 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Cure provided is $[redacted] |  |  |  | Reviewer Comment (2022-04-06): Cured on the Final CD.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300278 | XXXX |  | 34799666 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Rate lock on [redacted] reflects the borrower paid compensation but the CD issued on that date reflects lender paid. The CD issued on [redacted] reflects borrower paid compensation. |  |  |  | Reviewer Comment (2022-04-08): [redacted] Received COC dated [redacted] therefore no cure required.<br>Seller Comment (2022-04-07): [redacted] The origination started as lender paid when the loan was first locked. Due to this the compensation will not show on the Loan estimate. On [redacted] there was a Change Of Circumstance done changing the compensation from lender paid to borrower paid. By switching this to borrower paid, it reduces the need to charge discount points because the borrower is paying the compensation directly. There was a Closing disclosure that went out following for re-disclosure. Please see attached Closing disclosure and Change Of Circumstance form.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300278 | XXXX |  | 34799667 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-04-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300281 | XXXX |  | 34799670 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-04-08): Received Final Title Policy dated [redacted] with updated policy amount of $[redacted] along with required endorsements. Exception cleared.<br>Seller Comment (2022-04-07): [redacted] DI See attachment<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300296 | XXXX |  | 34799674 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | No Valid COC provided in loan file. Lender cure provided $[redacted] |  |  |  | Reviewer Comment (2022-04-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300770 | XXXX |  | 34799678 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2022-04-07): Provided title at $[redacted]<br>Seller Comment (2022-04-07): [redacted] See attachment<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300435 | XXXX |  | 34799680 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | The loan is to go into a securitization and there is [redacted]valuation in the loan file when [redacted] are required. |  |  |  | Reviewer Comment (2022-04-08): Received and input the [redacted] CDA in support of the Appraised value.<br>Seller Comment (2022-04-08): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300435 | XXXX |  | 34799682 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-04-07): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300282 | XXXX |  | 34799685 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted] valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-04-08): Received and input the [redacted] CDA in support of the Appraised value.<br>Seller Comment (2022-04-08): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300282 | XXXX |  | 34799688 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report fee was last disclosed as $[redacted] on the LE but disclosed as $[redacted] on the Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-04-07): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300319 | XXXX |  | 34799690 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-04-08): Received and input the [redacted] CDA in support of the Appraised value.<br>Seller Comment (2022-04-08): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300308 | XXXX |  | 34799695 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300437 | XXXX |  | 34799697 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent tolerance for Verification of employment with sufficient cure provided to borrower at closing |  |  |  | Reviewer Comment (2022-04-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300437 | XXXX |  | 34799699 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300302 | XXXX |  | 34799701 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided $[redacted] tolerance cure on the final CD. |  |  |  | Reviewer Comment (2022-04-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300342 | XXXX |  | 34799702 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300322 | XXXX |  | 34799708 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-04-13): Received and input the Final Title with an Amount of Insurance of $[redacted] which is sufficient for the Subject's Loan Amount.<br>Seller Comment (2022-04-13): [redacted] see attached, please clear thank you<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | D<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300322 | XXXX |  | 34799709 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Title policy provided is Preliminary. |  |  |  | Reviewer Comment (2022-04-13): Received and input the Final Title with an Amount of Insurance of $[redacted] which is sufficient for the Subject's Loan Amount.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | D<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300322 | XXXX |  | 34799710 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to be securitized. [redacted] valuation products are required and only [redacted]was provided. Secondary valuation is missing |  |  |  | Reviewer Comment (2022-04-13): [redacted] CDA received; value supported with no variance; moderate risk (no additional review required). This validation was deleted when compliance was rerun. Exception cleared.<br>Seller Comment (2022-04-13): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300285 | XXXX |  | 34799715 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-04-13): Received and reviewed the Title Supplement with a Insured Loan amount of $[redacted] which is sufficient for the Subject Loan Amount.<br>Seller Comment (2022-04-13): [redacted] Please see attached and clear<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300326 | XXXX |  | 34799718 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Missing evidence of bona fide discount points. |  |  |  | Reviewer Comment (2022-04-19): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300326 | XXXX |  | 34799719 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Missing evidence of bona fide discount points. |  |  |  | Reviewer Comment (2022-04-19): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300326 | XXXX |  | 34799722 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2022-05-02): Received Title final policy with policy amount equal to note amount. - Exception Cleared.<br>Seller Comment (2022-04-29): [redacted] please see attached document.<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | C<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300428 | XXXX |  | 34799723 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure for Appraisal Fee for $[redacted] was provided. |  |  |  | Reviewer Comment (2022-04-15): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300358 | XXXX |  | 34799728 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-04-14): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300392 | XXXX |  | 34799731 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided cure |  |  |  | Reviewer Comment (2022-04-19): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300392 | XXXX |  | 34799732 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided cure |  |  |  | Reviewer Comment (2022-04-19): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300427 | XXXX |  | 34799737 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-04-20): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300318 | XXXX |  | 34799741 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-04-19): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300318 | XXXX |  | 34799742 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-04-19): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300276 | XXXX |  | 34799744 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal fee was last disclosed as $[redacted] on the LE but disclosed as $[redacted] on the Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing in the amount of $[redacted]. |  |  |  | Reviewer Comment (2022-04-20): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300280 | XXXX |  | 34799747 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Fails Safe Harbor QM (APOR) due to points and fees exceeding maximum allowed. |  |  |  | Reviewer Comment (2022-05-03): Itemization provided. Offset applied for seller paid discount points.<br>Seller Comment (2022-05-02): [redacted] The Discount charge is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within [redacted]% higher than APOR which allows for [redacted]% bonafide discount to be applied.<br>Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[redacted] - $[redacted]= $[redacted] / $[redacted] = [redacted] %<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300280 | XXXX |  | 34799748 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Points and Fees exceeds allowable total by $[redacted]. Evidence of bona fide discount points was provided but only excluding [redacted] point. |  |  |  | Reviewer Comment (2022-05-03): Itemization provided. Offset applied for seller paid discount points.<br>Seller Comment (2022-05-02): [redacted] The Discount charge is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within [redacted]% higher than APOR which allows for [redacted]% bonafide discount to be applied.<br>Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[redacted] - $[redacted] = $[redacted] / $[redacted] = [redacted] %<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300280 | XXXX |  | 34799752 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | Reviewer Comment (2022-05-02): [redacted] received MI Certificate.<br>Seller Comment (2022-05-02): [redacted] DI Please see attachment<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300824 | XXXX |  | 34799759 |  | Credit | Property - Appraisal | Property Eligibility - Subject and Improvements | Property - Appraisal | [redacted] are ineligible per guidelines. |  | Property type is a log home which is ineligible per overlay. Appraisal reflects log siding but the hazard policy reflects a log home. | The representative FICO score is above [redacted].<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]. | [redacted] FICO score | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-07-05): Client acknowledged based on the borrower's employment and credit history.<br>|  |  | XXXX | 2<br> C<br> B |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300229 | XXXX |  | 34799762 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender restated the loan designation as Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> A<br> B |  | XXXX | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | 112300284 | XXXX |  | 34799765 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-04-26): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300267 | XXXX |  | 34799767 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Based on points and fees |  |  |  | Reviewer Comment (2022-05-04): Received correspondent discount point disclosure reflecting the par rate.<br>Seller Comment (2022-05-03): akw [redacted] Please see attached.<br>Reviewer Comment (2022-05-03): Borrower paid [redacted]% to receive a [redacted]% reduction in rate; does not meet the [redacted]%/[redacted]% threshold for exclusion. Please provide the Discount Point Pricing Disclosure with the undiscounted rate and undiscounted rate price listed.<br>Seller Comment (2022-05-02): [redacted] - Disagree: Please see the attached QM and High Cost Tests. The difference in the Par rate vs. APOR is [redacted]%, allowing for [redacted] % in bona fide discount points, or $[redacted]. Total P&Fs are $[redacted], or [redacted]%. Loan passes QM.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300267 | XXXX |  | 34799768 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). |  |  |  |  | Reviewer Comment (2022-05-04): Received correspondent discount point disclosure reflecting the par rate.<br>Seller Comment (2022-05-03): akw [redacted] Please see attached.<br>Reviewer Comment (2022-05-03): Borrower paid [redacted]% to receive a [redacted]% reduction in rate; does not meet the [redacted]%/[redacted]% threshold for exclusion. Please provide the Discount Point Pricing Disclosure with the undiscounted rate and undiscounted rate price listed.<br>Seller Comment (2022-05-02): [redacted] - Disagree: Please see the attached QM and High Cost Tests. The difference in the Par rate vs. APOR is [redacted]%, allowing for [redacted] % in bona fide discount points, or $[redacted]. Total P&Fs are $[redacted], or [redacted]%. Loan passes QM.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300233 | XXXX |  | 34799771 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-05-02): Received CDA dated [redacted] with CDA value $[redacted] - Exception Cleared.<br>Seller Comment (2022-04-29): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | 112300233 | XXXX |  | 34799773 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender restated the loan designation as Higher Priced QM(APOR). |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> A<br> B |  | XXXX | Second Home | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | 112300388 | XXXX |  | 34799776 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Loan Discount Points increased on the final [redacted] CD without a valid CIC dated within [redacted] days of the change. |  |  |  | Reviewer Comment (2022-04-27): [redacted] has received valid changed circumstance for fee increase.<br>Seller Comment (2022-04-26): [redacted] There was a Change in Circumstance to increase the loan amount on [redacted] that caused the discount points to go up based on the pricing for the rate. $[redacted]% = $[redacted]. A CD went out to the borrower the next day to redisclose the increase in pricing and the loan amount. Please see the attached CofC and corresponding CD's to show the change in loan amount and pricing.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300388 | XXXX |  | 34799777 |  | 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. |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300256 | XXXX |  | 34799782 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | Reviewer Comment (2022-05-02): [redacted] Mortgage Insurance Certificate received; sufficient coverage. Exception cleared.<br>Seller Comment (2022-05-02): [redacted] DI Please rescind the MIC was included in the upload.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300232 | XXXX |  | 34799788 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | Certificate missing from file |  |  |  | Reviewer Comment (2022-05-02): [redacted] received MI Certificate.<br>Seller Comment (2022-05-02): [redacted] [redacted] See attachment<br>Reviewer Comment (2022-05-02): Provided Mortgage certificate doesn't have second page Hence required complete [redacted] in order to clear the validation . Exception remains.<br>Seller Comment (2022-04-29): [redacted] - [redacted]: Please see attached MI cert.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300251 | XXXX |  | 34799791 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Cure provided at closing. |  |  |  | Reviewer Comment (2022-04-29): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300234 | XXXX |  | 34799793 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to be securitized. [redacted] valuation products are required and only [redacted]was provided. |  |  |  | Reviewer Comment (2022-05-02): [redacted] received CDA Desk Review.<br>Seller Comment (2022-05-02): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300234 | XXXX |  | 34799797 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-05-02): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300228 | XXXX |  | 34799798 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | mortgage insurance certificate is missing |  |  |  | Reviewer Comment (2022-05-02): [redacted] received the MI Certificate.<br>Seller Comment (2022-05-02): [redacted] [redacted] Please rescind the [redacted] was included in the upload<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300228 | XXXX |  | 34799799 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide acceptable documentation for the state of [redacted] |  |  |  | Reviewer Comment (2022-06-06): Provided attestation that verbally validated the coverage equal to [redacted]% of the cost to rebuild from insurer<br>Seller Comment (2022-06-06): [redacted] - Please rescind. Please see attached confirming the documented building replacement cost is $[redacted], which meets the borrower's selected dwelling coverage listed on homeowner's policy.<br>Reviewer Comment (2022-05-25): HOI does not reflect Guaranteed Replacement Cost. Coverage shortfall of $[redacted]. Need proper replacement cost estimator or renewed Hazard Insurance Policy to clear this exception. Exception remains.<br>Buyer Comment (2022-05-25): [redacted] - Please rescind. Coverage checklist lists loss settlement basis as replacement cost at [redacted]% of dwelling coverage. This is sufficient to document replacement cost.<br>Reviewer Comment (2022-05-06): On received Letter of Explanation and HOI does not reflect Guaranteed Replacement Cost. Loan amount-$[redacted], Coverage amount-$[redacted], hence there is a shortfall of $[redacted]. Please replacement cost estimator or renewed Hazard Insurance Policy to clear this exception. Exception remains.<br>Buyer Comment (2022-05-05): [redacted] - Please rescind. [redacted]% replacement cost is provided to the borrower in event of total loss.<br>Reviewer Comment (2022-05-05): [redacted] received Lender LOE. HOI does not reflect Guaranteed Replacement Cost. File does not reflect a replacement cost estimator either. Exception remains open.<br>Seller Comment (2022-05-04): [redacted] - [redacted] - Please rescind. Please see attached<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300228 | XXXX |  | 34799801 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Fees exceed [redacted]% |  |  |  | Reviewer Comment (2022-05-04): Itemization provided. Offset applied for Seller Paid Discount Points.<br>Buyer Comment (2022-05-03): akw [redacted] The QM Breakdown has the Par Rate which is the undiscounted rate. The Correspondent Discount Point Disclosure is only on correspondent loans. This is a broker loan so there won't be a Correspondent Discount Point Disclosure.<br>Reviewer Comment (2022-05-03): Please provide the Discount Point Pricing Disclosure with undiscounted rate and undiscounted rate price.<br>Seller Comment (2022-05-02): [redacted] - Disagree: Please see the attached QM and High Cost tests. Difference in Par rate vs. APOR is [redacted]%, allowing for [redacted]% in bona fide discount points, or $[redacted]. Total P&Fs are $[redacted], or [redacted]%. Loan passes QM.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300228 | XXXX |  | 34799803 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Fees exceed [redacted]% of loan amount |  |  |  | Reviewer Comment (2022-05-04): Itemization provided. Offset applied for Seller Paid Discount Points.<br>Buyer Comment (2022-05-03): akw [redacted] The QM Breakdown has the Par Rate which is the undiscounted rate. The Correspondent Discount Point Disclosure is only on correspondent loans. This is a broker loan so there won't be a Correspondent Discount Point Disclosure.<br>Reviewer Comment (2022-05-03): Please provide the Discount Point Pricing Disclosure with undiscounted rate and undiscounted rate price.<br>Seller Comment (2022-05-02): [redacted] - Disagree: Please see the attached QM and High Cost tests. Difference in Par rate vs. APOR is [redacted]%, allowing for [redacted]% in bona fide discount points, or $[redacted]. Total P&Fs are $[redacted], or [redacted]%. Loan passes QM.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300228 | XXXX |  | 34799804 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Sufficient cure provided. |  |  |  | Reviewer Comment (2022-04-29): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300825 | XXXX |  | 34799807 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. | Other on page [redacted] under estimated taxes, insurance is not supposed to be used for HOA dues. Exception in place due to incorrect format/placement. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Second Home | Purchase | Good Faith Redisclosure<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| XXXX | 112300825 | XXXX |  | 34799809 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender restated the loan designation as Higher Priced QM(APOR). |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> A<br> B |  | XXXX | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | 112300254 | XXXX |  | 34799810 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | Reviewer Comment (2022-05-02): Private Mortgage Insurance Certificate (MIC) document is provided in the file, updated and associated the same. Exception cleared.<br>Seller Comment (2022-04-29): [redacted]: Please rescind. Please see the attached Mortgage Insurance Certificate.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300260 | XXXX |  | 34799813 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 |  |  |  | Reviewer Comment (2022-04-28): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300224 | XXXX |  | 34799815 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | Missing MI cert per final CD |  |  |  | Reviewer Comment (2022-05-02): [redacted] received the MI Certificate.<br>Seller Comment (2022-05-02): [redacted] Di See attachment<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300231 | XXXX |  | 34799818 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | Reviewer Comment (2022-05-02): [redacted] received MI Certificate.<br>Seller Comment (2022-04-29): [redacted]: Please see the attached Mortgage Insurance Certificate provided.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300231 | XXXX |  | 34799819 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation mismatch due to points and fees in excess of allowable maximum. |  |  |  | Reviewer Comment (2022-05-18): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300231 | XXXX |  | 34799820 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | QM Points and Fees threshold exceeded by $[redacted] or .[redacted]%. |  |  |  | Reviewer Comment (2022-05-18): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300249 | XXXX |  | 34799828 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | Mortgage Insurance Certificate is missing. |  |  |  | Reviewer Comment (2022-05-02): [redacted] received the MI Certificate.<br>Seller Comment (2022-04-29): [redacted]: Please rescind. Please see the attached Certificate of Insurance provided.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300249 | XXXX |  | 34799833 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2022-05-02): Received Letter from insurance agent with estimated replacement cost of the structure, which covers the shortfall. - Exception Cleared.<br>Seller Comment (2022-04-29): [redacted]: Please rescind. Please see the attached letter of explanation from the insurance agent regarding the dwelling coverage amount. Because the subject property is located in [redacted], it is against state law for the lender to request a Replacement Cost Estimator on any properties located in [redacted]. In lieu of the actual RCE report, we can accept a letter from the insurance agent that lists the estimated replacement cost based on their professional opinion. Because the dwelling coverage amount matches the estimated replacement cost, the coverage is sufficient on this property.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300249 | XXXX |  | 34799834 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-05-02): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300561 | XXXX |  | 34799835 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan to be securitized and only [redacted] valuation provided when [redacted] are required. |  |  |  | Reviewer Comment (2022-05-03): [redacted] received CDA Desk Review.<br>Seller Comment (2022-05-03): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Refinance - Rate/Term | D<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | 112300561 | XXXX |  | 34799836 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender restated the loan as Higher Priced QM(APOR). |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> A<br> B |  | XXXX | Primary | Refinance - Rate/Term | D<br> B<br> A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX | 112300265 | XXXX |  | 34799842 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-05-02): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300241 | XXXX |  | 34799844 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Reviewer Comment (2022-05-04): Received and input the VOE dated within [redacted] days of the Note as required.<br>Seller Comment (2022-05-04): [redacted] - Please rescind. Please see attached.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300241 | XXXX |  | 34799845 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Reviewer Comment (2022-05-04): Received and input the VOE dated within [redacted] days of the Note as required<br>Seller Comment (2022-05-04): [redacted] - Please rescind. Please see attached.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300241 | XXXX |  | 34799846 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-05-02): [redacted] received supplemental Preliminary Title.<br>Seller Comment (2022-05-02): [redacted] See attachment<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300384 | XXXX |  | 34799859 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300306 | XXXX |  | 34799861 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2022-05-11): The property "[redacted] " is a vacant land and does not hold any insurance verified from open lien report. Also verified this from third party google search. Received tax cert reflecting annual taxes of $[redacted] /[redacted] =$[redacted] . The taxes are matching with final 1003. Exception cleared.<br>Seller Comment (2022-05-10): [redacted] : Please see attached documentation confirming this is vacant land. HOI is not required to be on vacant land, because there is nothing to insure.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300440 | XXXX |  | 34799864 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). |  |  |  |  | Reviewer Comment (2022-05-13): Offset applied for Seller Paid Discount Points.<br>Seller Comment (2022-05-11): [redacted] The Discount charge is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within [redacted] % higher than APOR which allows for [redacted] % bonafide discount to be applied.<br> Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[redacted] - $[redacted] = $[redacted] / $[redacted] = [redacted] %<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300440 | XXXX |  | 34799866 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Exception will clear once all QM related issues are resolved. |  |  |  | Reviewer Comment (2022-05-13): Offset applied for Seller Paid Discount Points.<br>Seller Comment (2022-05-11): [redacted] The Discount charge is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within [redacted] % higher than APOR which allows for [redacted] % bonafide discount to be applied. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage $[redacted] - $[redacted] = $[redacted] / $[redacted] = [redacted] %<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300440 | XXXX |  | 34799868 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided |  |  |  | Reviewer Comment (2022-05-09): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300440 | XXXX |  | 34799869 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Per Final 1003- Expenses on property total $[redacted]. Unable to verify expense with documentation provided. |  |  |  | Reviewer Comment (2022-05-11): [redacted] received HOI Verification.<br>Seller Comment (2022-05-11): [redacted] : Please rescind. The documentation for tax and insurance were delivered in the loan package.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300293 | XXXX |  | 34799871 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Complaint Agency Disclosure Timing Test | [redacted] Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  | Reviewer Comment (2022-05-11): [redacted] received [redacted] Complaint Agency Disclosure.<br>Seller Comment (2022-05-11): [redacted] - Please see the attached Mortgage Broker Fee Agreement. [redacted] Complaint Agency located on page [redacted] .<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300246 | XXXX |  | 34799877 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-05-16): [redacted] received [redacted] CD.<br>Seller Comment (2022-05-13): [redacted] Please see initial CD and TRID disclosure. The initial CD was distributed to the borrower on [redacted] and the mailbox rule was applied on [redacted] , which meets the [redacted] day requirement before the closing date of [redacted] .<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300263 | XXXX |  | 34799878 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300263 | XXXX |  | 34799881 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-05-10): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300263 | XXXX |  | 34799882 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-05-10): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300279 | XXXX |  | 34799884 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | AUS shows property taxes to be $[redacted]mo or $[redacted] annually, while the tax certificate shows an annual property tax of $[redacted]. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300279 | XXXX |  | 34799885 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | The property is located in a special flood hazard area. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300279 | XXXX |  | 34799888 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided sufficient cure. |  |  |  | Reviewer Comment (2022-05-11): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300218 | XXXX |  | 34799906 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>Reviewer Comment (2022-05-19): Received Final Title Policy for different property. Please provide Preliminary/Commitment/Supplemental or Final Title Policy which reflects coverage amount for subject property [redacted], Exception remains<br>Seller Comment (2022-05-18): [redacted] See attachment<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300211 | XXXX |  | 34799916 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Appraisal in the name of [redacted]. No evidence of an appraisal transfer letter. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300252 | XXXX |  | 34799919 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure was provided to borrower for [redacted]. |  |  |  | Reviewer Comment (2022-05-16): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300214 | XXXX |  | 34799923 |  | 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 appropiate coverage is provided. |  | The Preliminary title report is missing the Policy amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-05-13): Final Title policy received with Borrower name and loan Amount $[redacted] ,hence exception cleared<br>Seller Comment (2022-05-12): [redacted]see attached please clear thank you<br>Reviewer Comment (2022-05-12): [redacted] received Final Title for a different borrower. Please provide Title for [redacted]. Exception remains open.<br>Seller Comment (2022-05-12): [redacted] see attached please clear thank you<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300214 | XXXX |  | 34799924 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2022-05-13): Final Title policy received and exception cleared.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300834 | XXXX |  | 34799929 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-05-17): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300206 | XXXX |  | 34799952 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-05-19): Provided AVM<br>Seller Comment (2022-05-19): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300206 | XXXX |  | 34799954 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. | Cure was provided |  |  |  | Reviewer Comment (2022-05-18): Sufficient Cure Provided within [redacted] Days of Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | 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)<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300226 | XXXX |  | 34799960 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2022-05-20): [redacted] received Final Title<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300226 | XXXX |  | 34799962 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-05-20): [redacted] received Final Title<br>Seller Comment (2022-05-20): [redacted] Please see attached and clear<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300255 | XXXX |  | 34799978 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [redacted] did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). | The Contact Information section of the final CD as signed by the borrower did not disclose required Broker Contact Information. A post-close CD correcting the Section [redacted]as been provided. Please also provide a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-24): [redacted] received PCCD indicating contact info.<br>Seller Comment (2022-05-23): [redacted] - Please see the attached requested LOX.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300255 | XXXX |  | 34799980 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing proof of PITI for [redacted] investment property with a copy of the mortgage statement reflecting escrows or Final signed CD. |  |  |  | Reviewer Comment (2022-05-24): Received CD for the property, updated and associated the same. Hence exception is cleared.<br>Seller Comment (2022-05-23): [redacted]: Please see the attached final CD for the property located at [redacted]<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300255 | XXXX |  | 34799981 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing proof of PITI for [redacted] investment property with a copy of the mortgage statement reflecting escrows or Final signed CD. |  |  |  | Reviewer Comment (2022-05-24): Received CD for the property, updated and associated the same. Hence exception is cleared.<br>Seller Comment (2022-05-23): [redacted]: Please see the attached final CD for the property located at [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300255 | XXXX |  | 34799982 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing proof of PITI for [redacted] investment property with a copy of the mortgage statement reflecting escrows or Final signed CD. |  |  |  | Reviewer Comment (2022-05-24): Received CD for the property, updated and associated the same. Hence exception is cleared.<br>Seller Comment (2022-05-23): [redacted]: Please see the attached final CD for the property located at [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300272 | XXXX |  | 34799991 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure provided for $[redacted] |  |  |  | Reviewer Comment (2022-05-20): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300247 | XXXX |  | 34799996 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-05-23): [redacted] received AVM<br>Seller Comment (2022-05-23): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300199 | XXXX |  | 34800005 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300250 | XXXX |  | 34800013 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to be securitized. Secondary valuation is missing |  |  |  | Reviewer Comment (2022-05-25): AVM report is received and exception cleared.<br>Seller Comment (2022-05-24): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300250 | XXXX |  | 34800014 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | : [redacted] Percent Fee Tolerance exceeded for Credit Report Fee |  |  |  | Reviewer Comment (2022-05-23): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300219 | XXXX |  | 34800022 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-05-23): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300201 | XXXX |  | 34800026 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-05-25): CDA document received and exception cleared.<br>Seller Comment (2022-05-24): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300259 | XXXX |  | 34800032 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] Percent tolerance fee of [redacted] exceeds tolerance of [redacted]. Sufficient cure was provided. |  |  |  | Reviewer Comment (2022-05-25): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300205 | XXXX |  | 34800047 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Non escrowed property cost over [redacted] year of [redacted] is not accurate, there were not HOA fees disclosed on appraisal |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300196 | XXXX |  | 34800055 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance coverage is short by [redacted]. |  |  |  | Reviewer Comment (2022-06-01): Received HOI policy with extended replacement coverage of [redacted]%. The shortfall is covered. - Exception Cleared.<br>Seller Comment (2022-05-31): [redacted]: Please see attached RCE, and attached HOI (Page [redacted], paragraph [redacted]). There is an increased [redacted]%, which supports RCE.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300213 | XXXX |  | 34800066 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-05-31): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300213 | XXXX |  | 34800067 |  | 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 appropiate coverage is provided. |  | Final policy is missing and the Preliminary Title did not report the policy amount. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300240 | XXXX |  | 34800074 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-06-02): Received Desk Review Report dated [redacted] from [redacted] with CDA value of $[redacted] and with variance of [redacted]% , verified and associated the document, hence exception cleared.<br>Seller Comment (2022-06-01): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300240 | XXXX |  | 34800076 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on LE issued [redacted] but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. 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 (2022-06-14): [redacted] received clarification, cure provided at closing.<br>Reviewer Comment (2022-06-06): [redacted] We agree and understand that the cure was given at closing for $[redacted] for Credit Report Fee. The exception will be cleared once we receive the cure/resolution for the Second Appraisal fee. Exception Remains.<br>Seller Comment (2022-06-03): [redacted] Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $[redacted] in section J on the Closing Disclosure, $[redacted] for the increase in Credit Report fee from $[redacted] to $[redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300240 | XXXX |  | 34800077 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on Loan Estimate issued [redacted]. 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 (2022-06-14): [redacted] received Attestation dated [redacted] & clarification, cure provided at closing.<br>Seller Comment (2022-06-13): [redacted] - See attached attestation letter.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300240 | XXXX |  | 34800078 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-06-14): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300240 | XXXX |  | 34800079 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-06-14): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300210 | XXXX |  | 34800085 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-05-31): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300210 | XXXX |  | 34800086 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-05-31): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300210 | XXXX |  | 34800087 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-05-31): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300197 | XXXX |  | 34800093 |  | 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 appropiate coverage is provided. |  | No policy amount mentioned on prelim policy |  |  |  | Reviewer Comment (2022-06-03): Provided title at $[redacted]<br>Seller Comment (2022-06-02): [redacted] see attached please clear thank you<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300197 | XXXX |  | 34800096 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Final closing statement is not executed by the seller or initialed Final by the title company. |  |  |  | Reviewer Comment (2022-06-15): Final settlement statement provided<br>Buyer Comment (2022-06-15): [redacted] [redacted] - Please rescind. Provided statement is final statement certified by the escrow company that handled the transaction documenting the actual proceeds received from the sale of [redacted]. Nothing further is required per B3-[redacted]in [redacted]'s selling guide.<br>Reviewer Comment (2022-06-02): The closing statement provided was already present in file which is not executed by the seller. Please provide the final settlement statement with seller's signature on it. Exception remains.<br>Seller Comment (2022-06-01): [redacted] [redacted] - Please rescind. Please see evidence of final settlement statement for the [redacted] property which is certified<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300195 | XXXX |  | 34800104 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required |  |  |  | Reviewer Comment (2022-06-03): Provided CDA<br>Seller Comment (2022-06-02): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300207 | XXXX |  | 34800123 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Final title is missing. |  |  |  | Reviewer Comment (2022-06-08): Received Preliminary title report with policy amount of $[redacted] updated the details. Exception Cleared<br>Seller Comment (2022-06-07): [redacted] Please see attached and clear<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300215 | XXXX |  | 34800134 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) |  |  |  | Reviewer Comment (2022-06-09): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300215 | XXXX |  | 34800135 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. |  |  |  | Reviewer Comment (2022-06-09): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300215 | XXXX |  | 34800137 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Insufficient cure of $[redacted] provided at close |  |  |  | Reviewer Comment (2022-06-14): [redacted] received screenshots for the Transfer Tax total amount hence after review exception has been cleared.<br>Seller Comment (2022-06-13): [redacted] - See attached screenshots of the State Tax/Stamps and Transfer Tax from [redacted] which a total amount disclosed of $[redacted]<br>Reviewer Comment (2022-06-10): [redacted] agreed with the comment provided but we also required evidence (any document like Compliance Report / LOX or Snapshot) that rounded amount $[redacted] on LE to reevaluate this exception.<br>Seller Comment (2022-06-09): [redacted] Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $[redacted] in section J on the Closing Disclosure for the increase in Transfer Taxes from $[redacted] (rounded to $[redacted] on the LE - Per TILA Comment [redacted]-[redacted] the tolerance calculation should be using the unrounded LE numbers instead of the rounded LE numbers - see regs - Use of unrounded numbers. Sections [redacted] and [redacted] require that the dollar amounts of certain charges disclosed on the Loan Estimate and Closing Disclosure, respectively, to be rounded to the nearest whole dollar. However, to conduct the good faith analysis required under [redacted] and [redacted], the creditor should use unrounded numbers to compare the actual charge paid by or imposed on the consumer for a settlement service with the estimated cost of the service.) to $[redacted] .<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300215 | XXXX |  | 34800138 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-06-14): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300200 | XXXX |  | 34800144 |  | 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 appropiate coverage is provided. |  | The preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300200 | XXXX |  | 34800147 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Please provide the Initial CD. |  |  |  | Reviewer Comment (2022-06-10): [redacted] received [redacted] CD<br>Seller Comment (2022-06-09): [redacted] Please see the attached Closing Disclosure and TRID disclosure history the shows the CD was sent to the borrower on [redacted] and e-consented to on [redacted] .<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300198 | XXXX |  | 34800149 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2022-06-13): Final Title Policy received and verified the details. Exception Cleared.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300198 | XXXX |  | 34800151 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-06-13): Final Title Policy received and verified the details. Exception Cleared.<br>Seller Comment (2022-06-10): [redacted] DI See attachment<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300756 | XXXX |  | 34800159 |  | 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. |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300749 | XXXX |  | 34800163 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match due to the Points and Fees |  |  |  | Reviewer Comment (2022-01-25): Itemization received showing seller credit breakdown. Loan no longer exceeds P&F threshold.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300749 | XXXX |  | 34800165 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | QM Points and Fees threshold exceeded by [redacted]%. Lender to issue refund of overage to borrower. Lender to provide copy of refund check and proof of delivery. Provide payment history of loan verifying loan is not [redacted] days delinquent. |  |  |  | Reviewer Comment (2022-01-25): Itemization received showing seller credit breakdown. Loan no longer exceeds P&F threshold.<br>Seller Comment (2022-01-24): [redacted] - Please see the attached QM and High Cost Tests. The difference between the Par (undiscounted) Rate (highlighted on pg[redacted] of the HC Test) and the APOR is [redacted] %, allowing for [redacted] % in bona fide discount points, or $[redacted] . $[redacted] - $[redacted] = $[redacted] , or [redacted] %. Loan is a QM.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300762 | XXXX |  | 34800189 |  | 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 ___. | Per AUS, Borrower received Other Credits for closing. |  |  |  | Reviewer Comment (2022-01-26): As per AUS, dated [redacted] reflects Funds Required to Close is $[redacted] . Total funds provided is $[redacted] . Hence we have sufficient funds to cover cash from borrower. Exception Cleared.<br>Seller Comment (2022-01-25): [redacted]: See the attached CD showing the true cash to close that must be verified. EMD clears the WF account on [redacted] and the EMD check is on file.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300762 | XXXX |  | 34800190 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Asset Documentation not provided |  | Source of funds for Earnest Money Deposit is missing. |  |  |  | Reviewer Comment (2022-01-27): Received bank statement as a source of funds for earnest money deposit. - Exception Cleared.<br>Seller Comment (2022-01-26): [redacted]: Please see the attached showing the EMD clearing on the[redacted] th.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300746 | XXXX |  | 34800195 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard provided [redacted] and was not at least [redacted] days from Note date of [redacted]. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300746 | XXXX |  | 34800197 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Fee of $[redacted] on final CD without valid COC for the increase from initially disclosed amount of $[redacted]. Lender cured with tolerance credit on final CD. |  |  |  | Reviewer Comment (2022-01-06): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300741 | XXXX |  | 34800203 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-01-06): Received CDA<br>Seller Comment (2022-01-06): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300741 | XXXX |  | 34800205 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-01-03): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300741 | XXXX |  | 34800206 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-01-03): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300737 | XXXX |  | 34800216 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2022-01-18): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300750 | XXXX |  | 34800218 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | LE was sent to borrower prior to obtaining consent for electronic disclosure from borrower. Lender to provide proof of consent within initial [redacted] days of application OR proof of disclosure sent to borrower using another method within [redacted] days of application. |  |  |  | Reviewer Comment (2022-01-21): Exception Cleared. Client provided esign consent agreement dated [redacted].<br>Seller Comment (2022-01-20): akw [redacted] Please see attached econsent which was accepted by the borrower prior to signing the initial LE - [redacted] [redacted] PM [redacted].<br>Reviewer Comment (2022-01-20): To clarify, the lender rebuttal dated [redacted] states docusign reports in [redacted] at [redacted] AM [redacted] which is really [redacted]pm [redacted] is not correct, as [redacted] is later than [redacted] and [redacted] would actually equate to [redacted]PM [redacted]. and would be same date. Please better document that LE received within [redacted] business days of application date/time.<br>Reviewer Comment (2022-01-19): [redacted] received a statement that documents are signed in [redacted] zone and not [redacted] zone, though tracking states esigned at [redacted]. There is no documentation found in file or on Disclosure Summary that indicates which time zone was utilized for the acceptance. Must provide evidence of system time zone utilization as [redacted] universally for all electronic docusigns. Written statement not attested/executed by loan company &/or IT department is not sufficient either.<br>Seller Comment (2022-01-19): [redacted] - Please see the attached Letter of explanation explaining the date/time difference<br>Reviewer Comment (2022-01-18): Unable to clear. The e-consent does not show it is Central time. The exception remains open.<br>Buyer Comment (2022-01-14): akw [redacted] The [redacted] LE signature date is using Pacific Standard Time Zone ([redacted]) as the esign vendor [redacted] is in [redacted] while the Disclosure Tracking Details provided with the last response is using Central Standard Time ([redacted]) as that is where the broker is located. Therefore, the initial LE was esigned on [redacted] at [redacted] [redacted] which is equal to [redacted] [redacted][redacted]. Therefore, the consent was prior to the esigning - [redacted] [redacted] AM [redacted] vs [redacted] [redacted] [redacted].<br>Reviewer Comment (2022-01-13): [redacted] received Disclosure Tracking details reflecting e-consent accepted [redacted]. However, the Initial LE was electronically signed on [redacted] and prior to the e-consent date. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] business days after application. Provide earlier proof of e-consent or that Initial LE was sent by other method than electronic (i.e. [redacted] Mail) within [redacted] business days of application.<br>Seller Comment (2022-01-13): [redacted] - Please see the attached eConsent form.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300750 | XXXX |  | 34800220 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing HOA verification. |  |  |  | Reviewer Comment (2022-01-07): Received HOA invoice which verified annual amount<br>Seller Comment (2022-01-07): [redacted]: Please see the attached.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300734 | XXXX |  | 34800231 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-[redacted] Citizen Status not provided |  | Permanent Resident card provided expires [redacted] prior to application date [redacted]. |  |  |  | Reviewer Comment (2022-01-03): The lender provided confirmation from the [redacted] for [redacted] Citizenship & Immigration Services that the expiration date was extended by [redacted]-months; now good through [redacted]. Exception cleared.<br>Seller Comment (2021-12-30): [redacted]: Please see attached approved extension for green card.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300734 | XXXX |  | 34800232 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2021-11-22): CDA provided. Cleared.<br>Seller Comment (2021-11-19): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300734 | XXXX |  | 34800236 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted]: Sufficient cure provided at closing |  |  |  | Reviewer Comment (2021-11-19): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300758 | XXXX |  | 34800246 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-01-27): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300743 | XXXX |  | 34800260 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Missing Final CD/executed closing statement for the sale of [redacted] Closing statement in file is not executed. |  |  |  | Reviewer Comment (2022-01-31): Received Final Closing Settlement statement dated [redacted] which shows [redacted] as the Seller, gaining net proceeds in amount $[redacted] from sale of property. Exception Cleared.<br>Seller Comment (2022-01-28): [redacted] : Please rescind. Please see the final settlement statement for the sale of the REO at [redacted].<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300766 | XXXX |  | 34800270 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-02-09): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300765 | XXXX |  | 34800277 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | 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. |  |  |  | Reviewer Comment (2022-02-09): Received Final Title with updated policy amount of $[redacted]. Exception cleared.<br>Seller Comment (2022-02-08): [redacted] DI See attachment<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | D<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300765 | XXXX |  | 34800278 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-02-08): Received a [redacted] desk review dated [redacted] that provided a value with a [redacted]% variance from the appraised value, value supported.<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300765 | XXXX |  | 34800279 |  | 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 (2022-02-16): Received the title policy.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | D<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300765 | XXXX |  | 34800280 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] 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. |  |  |  |  | Reviewer Comment (2022-02-04): Sufficient Cure Provided within [redacted] Days of Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | 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)<br> D<br> A<br> B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300740 | XXXX |  | 34800289 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-02-07): Received AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300767 | XXXX |  | 34800295 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Loan amount discrepancy. |  | AUS reflects loan amount of $[redacted] vs final loan amount of [redacted]. |  |  |  | Reviewer Comment (2022-02-08): Received updated AUS<br>Seller Comment (2022-02-08): [redacted]: Please see updated AUS findings.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300772 | XXXX |  | 34800316 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Final Closing Disclosure disclosed HOA not disclosed on appraisal or HOA verification. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted]<br>|  |  | XXXX | 2<br> B<br> C |  | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300773 | XXXX |  | 34800328 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securization and reflects only [redacted]valuation product when [redacted] are required |  |  |  | Reviewer Comment (2022-03-21): Provided CDA<br>Seller Comment (2022-03-21): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Refinance - Limited Cash-out GSE | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300774 | XXXX |  | 34800332 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Discount Points increased on [redacted] with the loan amount increase on the CIC and Rate Lock in the file, but no corresponding CD was provided for review |  |  |  | Reviewer Comment (2022-03-25): "[redacted] received valid COC ,CD , Rate lock document in order to clear this exception.<br>Seller Comment (2022-03-24): [redacted] The pricing started at $[redacted] (rounded to $[redacted] on the LE). On [redacted] there was a COC to update the appraised value that caused a change in LTV that caused a LLPA changing pricing to $[redacted], which was disclosed on a CD on [redacted]. Then on[redacted] pricing was made better at $[redacted]. Please see attached lock confirmations, COC, CDs, and TRID worksheet.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300779 | XXXX |  | 34800339 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2022-04-08): Received commitment title policy with policy amount matching with note amount. Hence exception cleared.<br>Seller Comment (2022-04-07): [redacted] DI See attachment<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300780 | XXXX |  | 34800352 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Missing most recent AUS run to match DTI of [redacted]% on the 1008. |  |  |  | Reviewer Comment (2022-04-21): Received updated AUS reflecting a DTI of [redacted]%.<br>Seller Comment (2022-04-21): [redacted]: Please see attached AUS<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300780 | XXXX |  | 34800353 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided sufficient Cure in the amount of $[redacted] for Appraisal Fee. |  |  |  | Reviewer Comment (2022-04-19): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300780 | XXXX |  | 34800355 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing most recent AUS run to match DTI of [redacted]% on the 1008. |  |  |  | Reviewer Comment (2022-04-21): Received updated AUS reflecting a DTI of [redacted]%.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300780 | XXXX |  | 34800356 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted]or more guideline components, the loan is at QM risk. | Missing most recent AUS run to match DTI of [redacted]% as per 1008 found in file. LP dated [redacted] pm has DTI of [redacted]% . Borrower's secondary home P&I was not considered as per final 1004. |  |  |  | Reviewer Comment (2022-04-21): Received updated AUS reflecting a DTI of[redacted]%.<br>Seller Comment (2022-04-21): [redacted]: Please see attached AUS<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300820 | XXXX |  | 34800362 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reinspection Fee. Fee Amount of $[redacted], reflected in the Loan Estimate, is with sufficient and excess cure provided as, Reinspection Fee. Fee Amount of $[redacted], reflected in the Final CD. |  |  |  | Reviewer Comment (2022-05-27): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300849 | XXXX |  | 34800369 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-05-31): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300833 | XXXX |  | 34800374 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-05-20): [redacted] received AVM<br>Seller Comment (2022-05-20): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300833 | XXXX |  | 34800375 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $[redacted]. | TRID Lender Credit Tolerance Violation |  |  |  | Reviewer Comment (2022-05-25): Lender credit as tolerance cure violation received by borrower at closing.<br>Buyer Comment (2022-05-24): [redacted] - The tolerance cure of $[redacted] is for both the lender credit and the increased credit report fee. The Lender Credit was previously removed from the CD which caused a $[redacted] tolerance cure.<br>Reviewer Comment (2022-05-23): The Lender Credit provided at closing was offset by the tolerance cure provided at closing. No [redacted] in loan file reduced lender credit prior to closing. Cure required.<br>Seller Comment (2022-05-20): [redacted] - Please see the attached Final CD (highlighted, page [redacted]). The Lender Credit was provided.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300854 | XXXX |  | 34800377 |  | 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 appropiate coverage is provided. |  | No policy amount mentioned on prelim policy |  |  |  | Reviewer Comment (2022-06-07): Provided title at $[redacted]<br>Seller Comment (2022-06-07): [redacted] Di See attachment<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300854 | XXXX |  | 34800379 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year [redacted] - [redacted] Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the Amount of Total Property Costs over Year [redacted] as $[redacted] on page [redacted]; however the annual taxes ($[redacted]) and homeowners insurance ($[redacted]) total are $[redacted] per year. Provide a post-close CD correcting on page [redacted] and Estimated Taxes, Insurance & Assessments on page [redacted]; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300898 | XXXX |  | 34800386 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted] valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-06-07): Desk Review provided<br>Seller Comment (2022-06-07): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300868 | XXXX |  | 34800390 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | The lender provided cure a t closing |  |  |  | Reviewer Comment (2022-06-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300857 | XXXX |  | 34800392 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | This exception will be cleared once all QM-specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-06-20): Loan is [redacted] (APOR).<br>Seller Comment (2022-06-20): [redacted] - See attached itemization that shows [redacted] closing date<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300857 | XXXX |  | 34800393 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). Undiscounted rate of [redacted]% does not qualify for excludable points |  |  |  | Reviewer Comment (2022-06-20): Offset provided for seller paid items per Itemization bringing QM total under [redacted]% threshold.<br>Seller Comment (2022-06-20): [redacted] - See attached itemization that shows [redacted] closing date<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300857 | XXXX |  | 34800396 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Fee Amount of $[redacted] exceeds tolerance of $[redacted] . |  |  |  | Reviewer Comment (2022-06-03): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300884 | XXXX |  | 34800403 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Missing secondary valuation |  |  |  | Reviewer Comment (2022-06-14): CDA provided<br>Seller Comment (2022-06-13): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300884 | XXXX |  | 34800404 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Reviewer Comment (2022-06-13): Received VVOE, Exception Cleared<br>Seller Comment (2022-06-10): [redacted]: Please see attached verbal verification within [redacted] business days.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300884 | XXXX |  | 34800407 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing prior years W2 or full Written VOE with prior years earnings per DU |  |  |  | Reviewer Comment (2022-06-13): Received 1099 - NEC, Exception Cleared<br>Seller Comment (2022-06-10): [redacted]: Please see attached [redacted] W2.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300792 | XXXX |  | 34800410 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | A valid CIC dated within [redacted] days of the [redacted] final consumer CD was not provided for the increase in Discount Points |  |  |  | Reviewer Comment (2022-06-14): [redacted] received CD and COC with reason why the fee was increased hence after review the exception was cleared.<br>Seller Comment (2022-06-13): [redacted] - Please see the attached Lock Confirmation, Revised CD and TRID History. The lock needed to be extended, increasing the pricing of the loan. This was disclosed to the borrower on the Revised CD. TRID History shows of delivery and receipt. Please note, a lock extension is considered a valid Change in wholesale lending.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300859 | XXXX |  | 34800415 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted][redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300865 | XXXX |  | 34800416 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300865 | XXXX |  | 34800418 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure amount of $[redacted] was provided to the borrower at Closing |  |  |  | Reviewer Comment (2022-06-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300827 | XXXX |  | 34800423 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure provided |  |  |  | Reviewer Comment (2022-06-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300827 | XXXX |  | 34800424 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure provided |  |  |  | Reviewer Comment (2022-06-08): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300855 | XXXX |  | 34800433 |  | 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 appropiate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300855 | XXXX |  | 34800435 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan Designation is Safe Harbor QM (APOR) |  |  |  | Reviewer Comment (2022-06-09): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300855 | XXXX |  | 34800436 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Provide the Correspondent's Discount Point Fee disclosure, not the [redacted] High Cost analysis. |  |  |  | Reviewer Comment (2022-06-09): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300901 | XXXX |  | 34800445 |  | 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 appropiate coverage is provided. |  | There is no loan amount present in Title Policy |  |  |  | Reviewer Comment (2022-06-20): Received copy of the title policy with sufficient coverage.<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300894 | XXXX |  | 34800456 |  | 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 appropiate coverage is provided. |  | There is no loan amount present in Title Policy |  |  |  | Reviewer Comment (2022-06-21): Received final title with sufficient coverage.<br>Seller Comment (2022-06-21): [redacted] please see attached document.<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300894 | XXXX |  | 34800457 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2022-06-21): Received final title with sufficient coverage.<br>| XXXX |  |  | 1<br> A |  | XXXX | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300889 | XXXX |  | 34800461 |  | 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 appropiate coverage is provided. |  | There is no loan amount present in Title Policy |  |  |  | Reviewer Comment (2022-06-20): Received verification of the title coverage of $[redacted].<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300889 | XXXX |  | 34800463 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure amount of $[redacted] was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-06-13): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300875 | XXXX |  | 34800467 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Sufficient cure provided. |  |  |  | Reviewer Comment (2022-06-13): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300861 | XXXX |  | 34800470 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Final VOE from Instant Brands dated within [redacted] days of closing was not provided |  |  |  | Reviewer Comment (2022-06-15): Received evidence that [redacted] and [redacted] are the same company, it was bought out.<br>Seller Comment (2022-06-14): [redacted]: Please note that [redacted] and [redacted] are the same company<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300861 | XXXX |  | 34800473 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-06-15): Received CDA issued [redacted] which reflects a [redacted] % variance from the appraised value. Value is supported.<br>Seller Comment (2022-06-15): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300861 | XXXX |  | 34800475 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  |  |  |  |  | Reviewer Comment (2022-06-15): Received evidence master policy has betterments and improvements coverage.<br>Seller Comment (2022-06-14): [redacted]: Please note that insurance states "improvements and betterments included". This covers walls in on the master policy.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300847 | XXXX |  | 34800481 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA expense verification document is missing from the file in amount of $[redacted]. |  |  |  | Reviewer Comment (2022-06-16): Received evidence there is no HOA dues on [redacted] .<br>Seller Comment (2022-06-15): [redacted] [redacted] CW - Please rescind. There are no HOA dues at the borrower's SFR located at [redacted] . Please see updated AUS findings and updated 1003/1008 confirming the accurate pitia<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300886 | XXXX |  | 34800484 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-06-14): Provided CDA<br>Seller Comment (2022-06-14): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300886 | XXXX |  | 34800485 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees [redacted] Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. (Points and Fees testing limited to Borrower paid fees.) | Seller CD was not provided; however, according to borrower closing disclosure sellers fee $[redacted] |  |  |  | Reviewer Comment (2022-06-23): [redacted] received Seller CD<br>Seller Comment (2022-06-22): [redacted] Please see the attached Final Sellers Closing Disclosure that shows the fees charged to the seller at closing.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300886 | XXXX |  | 34800486 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. | Seller paid costs disclosed on Seller CD not disclosed on Borrower final CD |  |  |  | Reviewer Comment (2022-07-11): Received the seller CD.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300864 | XXXX |  | 34800490 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-06-14): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300872 | XXXX |  | 34800495 |  | 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 appropiate coverage is provided. |  | The Preliminary title policy does not state a coverage amount. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300866 | XXXX |  | 34800502 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Transfer Tax. Fee Amount of $[redacted] reflected in the Loan Estimate, is with Sufficient or Excess cure provided as, Transfer Tax. Fee Amount of $[redacted], reflected in the Final CD. |  |  |  | Reviewer Comment (2022-06-16): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300828 | XXXX |  | 34800505 |  | 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 appropiate coverage is provided. |  | The Preliminary title policy does not states a coverage amount |  |  |  | Reviewer Comment (2022-06-17): Received supplemental report reflecting sufficient coverage.<br>Seller Comment (2022-06-17): [redacted] See attachment<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300828 | XXXX |  | 34800508 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year [redacted] - [redacted] Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Source documentation shows Amount of Estimated Property Costs over Year [redacted] to be $[redacted]. Final CD reflects $[redacted]. Appears $[redacted] was included for HOA on 1008, however no supporting documentation in file. AUS reflects $[redacted] for HOA. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300867 | XXXX |  | 34800509 |  | 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 appropiate coverage is provided. |  | The Preliminary title policy does not states a coverage amount |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300835 | XXXX |  | 34800514 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go into a securitization and there is [redacted]valuation in the loan file when [redacted] are required. |  |  |  | Reviewer Comment (2022-06-17): AVM provided to support value<br>Seller Comment (2022-06-17): AVM<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300863 | XXXX |  | 34800518 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted] valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-06-21): Provided CDA<br>Seller Comment (2022-06-21): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300904 | XXXX |  | 34800520 |  | 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 appropiate coverage is provided. |  | The Preliminary title report is missing the Policy amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300781 | XXXX |  | 34800524 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-06-22): Received CDA issued [redacted] which reflects a [redacted] % variance from the appraised value. Value is supported.<br>Seller Comment (2022-06-22): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Second Home | Refinance - Rate/Term | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300781 | XXXX |  | 34800525 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] Percent Fee Tolerance exceeded due to additon of Transfer Tax Fee. No valid CoC provided. |  |  |  | Reviewer Comment (2022-06-20): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Refinance - Rate/Term | Final CD evidences Cure<br> D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300912 | XXXX |  | 34800530 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securization and reflects only [redacted]valuation product when [redacted] are required |  |  |  | Reviewer Comment (2022-06-21): CDA provided<br>Seller Comment (2022-06-21): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300924 | XXXX |  | 34800532 |  | 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 appropiate coverage is provided. |  | The Preliminary title policy does not states a coverage amount |  |  |  | Reviewer Comment (2022-06-21): Received final title with sufficient coverage.<br>Seller Comment (2022-06-21): [redacted] RF see attached please clear thank you<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300924 | XXXX |  | 34800533 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2022-06-21): Received final title with sufficient coverage.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300878 | XXXX |  | 34800535 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2022-06-21): Received final title with sufficient coverage.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300878 | XXXX |  | 34800539 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2022-06-21): Received final title with sufficient coverage.<br>Seller Comment (2022-06-21): [redacted] See attachment<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300850 | XXXX |  | 34800542 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Loan is to go in a securitization and reflects only [redacted]valuation product when [redacted] are required. |  |  |  | Reviewer Comment (2022-06-23): Received CDA issued [redacted] which reflects a [redacted] % variance from the appraised value. Value is supported.<br>Seller Comment (2022-06-23): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300850 | XXXX |  | 34800543 |  | 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 a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300850 | XXXX |  | 34800544 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 provided to borrowers. |  |  |  | Reviewer Comment (2022-06-22): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300850 | XXXX |  | 34800545 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Sufficient cure provided to borrowers. |  |  |  | Reviewer Comment (2022-06-22): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300850 | XXXX |  | 34800546 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Sufficient cure provided to borrowers. |  |  |  | Reviewer Comment (2022-06-22): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300850 | XXXX |  | 34800547 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] years. | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] years. |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300921 | XXXX |  | 34800554 |  | 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 appropiate coverage is provided. |  | No policy amount mentioned on prelim policy |  |  |  | Reviewer Comment (2022-06-24): Provided title at $[redacted]<br>Seller Comment (2022-06-24): [redacted] See attachement<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300921 | XXXX |  | 34800556 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. |  | No additional documents provided to support declaration question for other debts. |  |  |  | Reviewer Comment (2022-06-30): Provided corrected Final 1003 and e-signed LOX from borrower.<br>Seller Comment (2022-06-29): [redacted]: Please see corrected 1003.<br>Reviewer Comment (2022-06-29): Provided Co-borrower letter confirmation for Declaration but still we required Updated Final 1003 for [redacted]. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects NO. Exception remains.<br>Seller Comment (2022-06-28): [redacted]: Please see attached letter from borrower confirming correction.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300922 | XXXX |  | 34800562 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-06-27): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300853 | XXXX |  | 34800566 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | The credit report fee in the amount of $[redacted] exceeds tolerance of $[redacted] , sufficient cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-06-24): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300853 | XXXX |  | 34800567 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] Percent fee tolerance exceeded for Recording fee in the amount of [redacted] exceeds tolerance of [redacted]. |  |  |  | Reviewer Comment (2022-06-24): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300846 | XXXX |  | 34800577 |  | 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 does not states a coverage amount |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>Reviewer Comment (2022-07-07): Insurance amount not documented.<br>Buyer Comment (2022-07-07): [redacted] RF the attached indicates: Report No.: [redacted]<br> Loan No.: [redacted]<br> Borrower: [redacted] and [redacted]<br> The above numbered report (including any supplements or amendments thereto) is hereby<br> modified and/or supplemented to reflect the following additional items relating to the issuance<br> of an [redacted] loan form policy:<br> Proposed Insured:<br> [redacted], ISAOA<br> [redacted]<br> New Loan Amount: $[redacted]<br> Said land is also known as: [redacted]<br>Reviewer Comment (2022-07-07): Amount of insurance was not documented.<br>Seller Comment (2022-07-07): [redacted] RF see attached please clear thank you<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | D<br> B<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300846 | XXXX |  | 34800579 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | A secondary valuation was not provided. |  |  |  | Reviewer Comment (2022-07-07): Received CDA issued [redacted] which reflects a [redacted] % variance from the appraised value. Value is supported.<br>Seller Comment (2022-07-07): CDA<br>| XXXX |  |  | 1<br> D<br> A |  | XXXX | Primary | Purchase | D<br> B<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300846 | XXXX |  | 34800581 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): 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 total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Document Bona Fide Points & Fees |  |  |  | Reviewer Comment (2022-07-01): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | D<br> B<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300846 | XXXX |  | 34800582 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan fails testing due to excessive points & fees |  |  |  | Reviewer Comment (2022-07-01): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.<br>| XXXX |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> D<br> B<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300846 | XXXX |  | 34800583 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2022-06-30): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Primary | Purchase | Final CD evidences Cure<br> D<br> B<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300885 | XXXX |  | 34800587 |  | 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 does not states a coverage amount |  |  |  | Reviewer Comment (2022-06-29): Final title provided with correct coverage<br>Seller Comment (2022-06-29): [redacted] please see title policy attached.<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300885 | XXXX |  | 34800589 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2022-06-29): Final title provided<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300883 | XXXX |  | 34800592 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | A .[redacted] lender credit was provided. |  |  |  | Reviewer Comment (2022-06-27): Sufficient Cure Provided At Closing<br>|  | XXXX |  | 1<br> A |  | XXXX | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 112300920 | XXXX |  | 34800594 |  | 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 does not states a coverage amount |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300920 | XXXX |  | 34800597 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a [redacted] Citizen, and the guideline required documentation was not provided. |  | Missing permanent resident alien card |  |  |  | Reviewer Comment (2022-07-01): Provided updated 1003 reflecting [redacted] and LOX esigned by borrower.<br>Seller Comment (2022-07-01): [redacted]: Please see lox and correct 1003. Borrower is a [redacted] .<br>| XXXX |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300908 | XXXX |  | 34800601 |  | 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 does not states a coverage amount |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>Reviewer Comment (2022-06-30): Coverage amount is not documented.<br>Buyer Comment (2022-06-30): [redacted] Please escalate to higher management. The Loan Amount is the FTP would be.<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300917 | XXXX |  | 34800604 |  | 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. |  | NO policy amount mentioned on prelim policy |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300925 | XXXX |  | 34800610 |  | 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 does not states a coverage amount |  |  |  | Reviewer Comment (2025-09-19): waived per [redacted] [redacted]<br>|  |  | XXXX | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300910 | XXXX |  | 34800620 |  | 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 does not states a coverage amount |  |  |  | Reviewer Comment (2022-07-12): Received final title with sufficient coverage.<br>Seller Comment (2022-07-12): [redacted] RF see attached please clear thank you<br>| XXXX |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 112300910 | XXXX |  | 34800621 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2022-07-12): Received final title with sufficient coverage.<br>| XXXX |  |  | 1<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

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![](logo_situs.jpg)

#### Valuation Report

#### Run Date - 10/29/2025 2:42:43 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** |
| XXXX | 408070388 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.270% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 1.270% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| XXXX | 408070369 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| XXXX | 408070393 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 408070362 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 408070089 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 408070211 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | 408070314 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| XXXX | 408070141 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.890% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -15.180% |  | High |  |  |  |  |  |  |  |  |  |  | -30.360% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 408070163 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 408070437 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 3.50 |
| XXXX | 408070424 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| XXXX | 408070413 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| XXXX | 3260123792 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| XXXX | 3260161100 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| XXXX | 3260145353 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2107442790 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 3260145353 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | 2107442790 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| XXXX | 3567755030 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 3557164811 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | 3567607360 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | 3569577415 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3567598748 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | 3569162217 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300631 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| XXXX | 112300639 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.00 |
| XXXX | 112300633 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -13.790% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | 112300701 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 4.50 |
| XXXX | 112300636 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| XXXX | 112300705 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| XXXX | 112300637 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| XXXX | 112300642 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| XXXX | 112300700 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| XXXX | 112300702 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.730% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.730% |  |  |  |  |  |  |  |  | No |  | 2.90 |
| XXXX | 112300704 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.020% |  |  | AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 4.10 |
| XXXX | 112300623 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| XXXX | 112300622 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| XXXX | 112300625 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| XXXX | 112300711 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.710% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.710% |  |  |  |  |  |  |  |  | No |  | 3.00 |
| XXXX | 112300703 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | No |  | 5.00 |
| XXXX | 112300628 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.130% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| XXXX | 112300629 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.00 |
| XXXX | 112300626 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.640% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.640% |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX | 112300712 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| XXXX | 112300708 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 112300612 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300718 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.330% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| XXXX | 112300717 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | 112300606 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.850% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -8.850% |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | 112300725 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300594 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 112300601 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300722 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300720 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.560% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | 112300716 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300723 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.850% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | 112300599 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.080% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| XXXX | 112300587 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.500% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 112300726 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| XXXX | 112300600 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | 112300583 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300585 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300582 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 112300581 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300589 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| XXXX | 112300580 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300590 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | 112300588 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | 112300570 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 112300544 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | 112300534 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300571 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.500% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 112300553 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 112300542 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300566 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | 112300575 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | 112300539 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.250% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.250% |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXXX | 112300564 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.210% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 112300515 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.660% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300543 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | 112300573 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300558 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | 112300529 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300578 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.920% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.920% |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 112300556 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300519 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 112300528 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300521 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.850% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.850% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300559 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300584 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300537 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300562 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300535 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.090% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.090% |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 112300567 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.410% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |
| XXXX | 112300569 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.530% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.530% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300516 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.660% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.660% |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 112300554 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 112300547 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.220% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.220% |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX | 112300492 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.240% |  |  | Appraisal |  |  |  |  |  | 15.040% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.040% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300540 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300522 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300526 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300514 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.460% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.460% |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | 112300541 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300499 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 112300536 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.390% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | 112300551 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | 112300523 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300560 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300498 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| XXXX | 112300518 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.320% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300503 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300524 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300550 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300494 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300527 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300565 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.680% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 112300500 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300533 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300513 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 112300511 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | 112300614 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300579 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300512 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | 112300481 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 112300517 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300574 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 112300506 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300510 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300482 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300754 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300576 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300464 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.720% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300489 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300496 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | 112300430 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 112300546 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 112300493 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | 112300538 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300420 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | 112300467 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300487 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300468 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.430% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| XXXX | 112300486 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 112300491 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | 112300490 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300497 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300459 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 112300450 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.970% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.970% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300434 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 112300532 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 112300457 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | 112300470 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300484 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 112300530 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 112300507 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300471 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 112300504 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 112300488 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXX | 112300451 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300478 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 112300502 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | 112300447 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300424 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.900% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | 112300495 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | 112300466 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300418 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300458 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.270% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300402 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300376 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300353 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | 112300409 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300399 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300508 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300453 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 112300380 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.460% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.460% |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| XXXX | 112300545 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.350% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.350% |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | 112300568 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | 112300548 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 112300572 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| XXXX | 112300400 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300446 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 112300397 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300465 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.440% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.440% |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | 112300426 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300419 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 21.480% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.480% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300385 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300407 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300415 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | 112300485 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | 112300368 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.540% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300476 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.620% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | 112300473 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 112300452 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300472 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300480 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 112300436 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300421 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | 112300387 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300477 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 112300411 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | 112300371 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.550% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.550% |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 112300369 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300377 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 195.920% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300390 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300438 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300442 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | 112300406 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.070% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300425 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300403 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300383 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300408 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.720% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | 112300405 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | 112300370 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.410% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300313 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300455 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300350 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300404 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 112300386 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.750% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | 112300431 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300429 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300394 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | 112300312 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300304 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300374 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | 112300410 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 112300346 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.670% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.670% |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | 112300382 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | 112300391 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | 112300315 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | 112300393 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300364 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.390% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300483 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.680% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.680% |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 112300324 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | 112300335 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | 112300454 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300441 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | 112300332 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXXX | 112300333 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300287 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300355 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 112300439 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.040% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.040% |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | 112300462 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.390% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.390% |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | 112300340 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300294 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.310% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.310% |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | 112300359 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | 112300381 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XXXX | 112300456 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | 112300461 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.500% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | 112300323 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300460 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 112300328 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.430% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.430% |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 112300336 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | 112300373 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300307 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300321 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300348 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | 112300375 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300474 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300398 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300351 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 112300329 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.930% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | 112300443 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | 112300344 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300396 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| XXXX | 112300347 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300337 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300343 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | 112300311 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300372 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | 112300362 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300354 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 112300357 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.860% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.860% |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXXX | 112300378 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.430% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.430% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300309 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | 112300395 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.080% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.080% |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | 112300349 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 112300288 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | 112300289 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300389 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.540% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.540% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300413 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.170% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.170% |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXX | 112300782 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.990% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300278 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | 112300281 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300296 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300310 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300770 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.920% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.920% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300435 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300414 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | 112300282 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300319 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | 112300308 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300437 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300302 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300342 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300299 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | 112300286 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.690% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | 112300322 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXXX | 112300285 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300303 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.910% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | 112300326 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.630% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300428 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300358 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300392 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | 112300427 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300318 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.990% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.990% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300276 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.290% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.290% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300261 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300280 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.610% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.610% |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXXX | 112300300 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.680% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.680% |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| XXXX | 112300824 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300229 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 112300284 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.660% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.660% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300267 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.630% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.630% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300233 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | 112300388 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | 112300270 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300274 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300256 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 112300232 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.960% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.960% |  |  |  |  |  |  |  |  | Yes |  | 2.60 |
| XXXX | 112300251 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| XXXX | 112300234 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | 112300228 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| XXXX | 112300825 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300254 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.040% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXXX | 112300260 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | 112300224 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| XXXX | 112300231 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300249 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| XXXX | 112300561 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | 112300283 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300292 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 112300291 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 112300265 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | 112300241 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300298 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| XXXX | 112300290 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | 112300277 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 112300384 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300306 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| XXXX | 112300440 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.660% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | 112300293 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.010% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | 112300239 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| XXXX | 112300246 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.260% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| XXXX | 112300263 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | 112300236 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300279 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.880% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.880% |  |  |  |  |  |  |  |  | No |  | 4.50 |
| XXXX | 112300218 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| XXXX | 112300248 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300211 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.530% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.530% |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 112300252 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300214 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300834 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.760% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.760% |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | 112300244 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300242 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300206 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.190% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXX | 112300221 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300226 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| XXXX | 112300245 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300238 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| XXXX | 112300255 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300237 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 112300272 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300247 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.140% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | 112300199 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300250 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.580% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.580% |  |  |  |  |  |  |  |  | No |  | 3.40 |
| XXXX | 112300219 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | 112300201 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300259 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.250% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300203 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | 112300205 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 112300196 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | 112300217 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300213 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.520% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| XXXX | 112300240 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300210 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.390% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | 112300197 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300194 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300195 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | 112300243 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | 112300207 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | 112300212 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | 112300215 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | 112300200 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300198 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300756 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.970% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.970% |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | 112300749 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 18.990% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300755 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 112300762 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300746 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 112300741 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| XXXX | 112300737 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.530% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.530% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300750 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| XXXX | 112300729 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 112300734 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| XXXX | 112300758 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300748 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300743 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300742 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.260% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | 112300766 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300765 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | 112300740 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.980% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 112300767 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | 112300753 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300761 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300772 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | 112300776 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300773 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | 112300774 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.250% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.250% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300779 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | 112300778 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.760% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | 112300780 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 18.340% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300820 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300849 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| XXXX | 112300833 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.470% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| XXXX | 112300854 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| XXXX | 112300852 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | 112300898 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | 112300868 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 112300857 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 31.620% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.620% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300862 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300884 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| XXXX | 112300792 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | 112300859 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300865 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300827 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 112300882 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.440% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 112300899 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300855 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.100% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.100% |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXXX | 112300856 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.180% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300901 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 112300826 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 112300787 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300894 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | 112300889 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300875 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | 112300830 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | 112300861 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300831 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.750% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.750% |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | 112300847 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 13.020% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.020% |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | 112300886 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 112300864 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300887 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 112300872 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 112300866 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 112300828 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | 112300867 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300835 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.740% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | 112300863 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | 112300904 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300781 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 112300912 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.080% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | 112300924 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300878 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300850 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXX | 112300919 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | 112300921 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300922 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | 112300853 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300926 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | 112300846 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 112300923 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300885 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.440% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.440% |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | 112300883 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.460% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.460% |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 112300920 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.780% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.780% |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | 112300908 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 112300917 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | 112300925 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 112300915 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 112300910 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

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![](logo_situs.jpg)

#### Supplemental Data

#### Run Date - 10/29/2025 10:42:56 AM

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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** | **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** |
| XXXX | 408070388 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Urvi Dharia \| Primary Income - Wages]; Other - 2021<br> [Borrower - Urvi Dharia \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Urvi Dharia \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Urvi Dharia \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Urvi Dharia \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Urvi Dharia \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 2 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 408070369 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Nicholas Nesi \| Primary Income - K-1 (< 25%)]; CPA Letter - 2021<br> [Borrower - Nicholas Nesi \| Primary Income - K-1 (< 25%)]; Other - 2021<br> [Borrower - Nicholas Nesi \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2021<br> [Borrower - Nicholas Nesi \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Nicholas Nesi \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2019<br> [Borrower - Nicholas Nesi \| Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - Nicholas Nesi \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2018<br> [Borrower - Nicholas Nesi \| Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Borrower - Nicholas Nesi \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - Nicholas Nesi \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - Nicholas Nesi \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018 | [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Tax Return Extension - 2020<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | 2.4 | LP / LPA |  | Accept | No | No | XXXX | 0 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 408070393 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Gregory Oreck \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Personal - 2021<br> [Borrower - Gregory Oreck \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Gregory Oreck \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - Gregory Oreck \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - Gregory Oreck \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - Gregory Oreck \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - Gregory Oreck \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - Gregory Oreck \| Non-Primary Income - Interest / Dividends]; Account Statements - 2021<br> [Borrower - Gregory Oreck \| Primary Income - Capital Gains]; Account Statements - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 3 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 408070362 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Gregory Gale \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2021<br> [Borrower - Gregory Gale \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2021<br> [Borrower - Gregory Gale \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - Gregory Gale \| Primary Income - K-1 (< 25%)]; K-1 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | No | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 408070089 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX |  | XXXX |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - Paul Nichols \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Paul Nichols \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Paul Nichols \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Paul Nichols \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Laura Nichols \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Laura Nichols \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Laura Nichols \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Laura Nichols \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - James Nichols \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - James Nichols \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - James Nichols \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 408070211 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Daniel Sumner \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Daniel Sumner \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Daniel Sumner \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Daniel Sumner \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Daniel Sumner \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.9 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  |  |  |  |  |  |  | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 408070314 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Douglas Latino \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Douglas Latino \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Douglas Latino \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Douglas Latino \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Douglas Latino \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2021<br> [Borrower - Douglas Latino \| Non-Primary Income - Pension]; 1099 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  |  |  |  |  |  |  | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 408070141 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Heather Palmer \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - Heather Palmer \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - Heather Palmer \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - Heather Palmer \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Coborrower(s) - Marc Palmer \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Marc Palmer \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Marc Palmer \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Marc Palmer \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Marc Palmer \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  |  |  |  |  |  |  | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 408070163 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Ryan Darby \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Ryan Darby \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Ryan Darby \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Ryan Darby \| Primary Income - S-Corp (>= 25%)]; Business License - 2021<br> [Borrower - Ryan Darby \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Ryan Darby \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Ryan Darby \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Ryan Darby \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Ryan Darby \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - Ryan Darby \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Ryan Darby \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - Ryan Darby \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 5.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  |  |  |  |  |  |  | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 408070437 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Colin Reposa \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Colin Reposa \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Colin Reposa \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Colin Reposa \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Colin Reposa \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Colin Reposa \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - Colin Reposa \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.5 |  |  |  | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 408070424 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2021<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2020<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2019<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - Michael Dwyer \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.5 |  |  |  | No | No | XXXX | 2 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 408070413 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Michael Loggia \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Michael Loggia \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Michael Loggia \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Michael Loggia \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Michael Loggia \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; Day 1 Certainty - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | 3.1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3260123792 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Aubrey Smigel \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - Aubrey Smigel \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - Aubrey Smigel \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - Aubrey Smigel \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - Aubrey Smigel \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-T - 2018<br> [Borrower]; 4506-T - 2017<br> [Borrower]; 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | 2.0 | DU |  | ApproveEligible | Yes | No | XXXX | 2 |  | 0 | 0 | 4 | 0 |  |  | XXXX | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3260161100 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Wesley Deakin \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Wesley Deakin \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Wesley Deakin \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Wesley Deakin \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - Wesley Deakin \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | 3.2 | DU |  | ApproveEligible | No | No | XXXX | 2 |  | 0 | 0 | 4 | 0 |  |  | XXXX | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3260145353 | XXXX |  | XXXX |  |  | XXXX | No | No |  |  |  | XXXX |  |  |  | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  | XXXX | No |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 2107442790 | XXXX |  | XXXX |  |  | XXXX | No | No |  |  |  | XXXX |  |  |  | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3260145353 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Navendu Garg \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Navendu Garg \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Navendu Garg \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - Navendu Garg \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - Navendu Garg \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - Navendu Garg \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Borrower - Navendu Garg \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - Navendu Garg \| Primary Income - Wages]; W-2 Transcript - 2018<br> [Coborrower(s) - Anchal Agarwal \| Primary Income - Wages]; Other - 2020<br> [Coborrower(s) - Anchal Agarwal \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Anchal Agarwal \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Anchal Agarwal \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Coborrower(s) - Anchal Agarwal \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Coborrower(s) - Anchal Agarwal \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - Anchal Agarwal \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Anchal Agarwal \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 1040 - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-T - 2018<br> [Borrower]; Account Transcripts - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-T - 2017<br> [Borrower]; 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-T - 2019<br> [Coborrower]; Account Transcripts - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506-T - 2018<br> [Coborrower]; Account Transcripts - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-T - 2017<br> [Coborrower]; 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.3 |  |  |  | N/A | No | XXXX | 2 | 2 | 2 | 0 | 4 | 2 |  |  | XXXX | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | No | 32 | 32 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Passport | Passport |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 2107442790 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Parag Vohra \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - Parag Vohra \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Parag Vohra \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Parag Vohra \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Parag Vohra \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Esha Sood \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Esha Sood \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Esha Sood \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - Esha Sood \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Esha Sood \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Tax Return Extension - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.7 |  |  |  | No | No | XXXX | 2 | 2 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 33 | 32 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | Passport | Passport |  |  | No | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3567755030 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Caitlin Scalzi \| Primary Income - Wages]; Other - 2025<br> [Borrower - Caitlin Scalzi \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - Caitlin Scalzi \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - Caitlin Scalzi \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - Caitlin Scalzi \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - Caitlin Scalzi \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - Caitlin Scalzi \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - Caitlin Scalzi \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - Caitlin Scalzi \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - Caitlin Scalzi \| Primary Income - Wages]; Restricted Stock Agreement - 2023<br> [Borrower - Caitlin Scalzi \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - Caitlin Scalzi \| Primary Income - Wages]; Restricted Stock Agreement - 2022 | [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]; 4506-C - 2022<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<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3557164811 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Shaquana Harris-Lamar \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - Shaquana Harris-Lamar \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - Shaquana Harris-Lamar \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - Shaquana Harris-Lamar \| 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]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3567607360 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Carl Lamb \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - Carl Lamb \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - Carl Lamb \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - Carl Lamb \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - Caladie Lamb \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - Caladie Lamb \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - Caladie Lamb \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - Caladie Lamb \| Primary Income - Wages]; 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]; Transcripts (1040) - 2022<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]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3569577415 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Hyrum Bosserman \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - Hyrum Bosserman \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - Hyrum Bosserman \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - Hyrum Bosserman \| 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]; 4506-C - 2022<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<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3567598748 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Chris Nickles \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - Chris Nickles \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - Chris Nickles \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - Chris Nickles \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - Chris Nickles \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - Jennifer Nickles \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - Jennifer Nickles \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - Jennifer Nickles \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - Jennifer Nickles \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<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]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3569162217 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Charles Liu \| Primary Income - Wages]; Other - 2025<br> [Borrower - Charles Liu \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - Charles Liu \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - Charles Liu \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - Charles Liu \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - Charles Liu \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - Charles Liu \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - Charles Liu \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - Charles Liu \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - Charles Liu \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - Pauline Liu \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - Pauline Liu \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - Pauline Liu \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - Pauline Liu \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 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> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 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<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300631 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Preston Browder \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Preston Browder \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Preston Browder \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Preston Browder \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Preston Browder \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Katherine Browder \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Katherine Browder \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Katherine Browder \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Katherine Browder \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Katherine Browder \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.0 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300639 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Eric Borges \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Eric Borges \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Eric Borges \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Eric Borges \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 0 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300633 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Alvin Johnson \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Alvin Johnson \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Alvin Johnson \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Alvin Johnson \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300701 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Tomiquia Moss \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Tomiquia Moss \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Tomiquia Moss \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Tomiquia Moss \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300636 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - James Simon \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2021<br> [Borrower - James Simon \| Primary Income - K-1 (< 25%)]; 1040-ES - 2019<br> [Borrower - James Simon \| Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - James Simon \| Primary Income - K-1 (< 25%)]; K-1 - 2018 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.0 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300705 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Abiodun Ashiru \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Abiodun Ashiru \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Abiodun Ashiru \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Abiodun Ashiru \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Abiodun Ashiru \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Abiodun Ashiru \| Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300637 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - Kulaea Siulua \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - Kulaea Siulua \| Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Borrower - Kulaea Siulua \| Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Borrower - Kulaea Siulua \| Primary Income - Sole Proprietor]; Business License - 2021<br> [Borrower - Kulaea Siulua \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - Kulaea Siulua \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - Kulaea Siulua \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - Kulaea Siulua \| Primary Income - Sole Proprietor]; P&L Statement - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.5 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300642 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - William Degnan \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - William Degnan \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - William Degnan \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - William Degnan \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.0 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300700 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Alexis Frances \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Alexis Frances \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Alexis Frances \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Alexis Frances \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Alexis Frances \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - Alexis Frances \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - Alexis Frances \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - Alexis Frances \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - Alexis Frances \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.2 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Other | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300702 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Eric Larsen \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - Eric Larsen \| Primary Income - Sole Proprietor]; Business License - 2021<br> [Borrower - Eric Larsen \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - Eric Larsen \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Coborrower(s) - Amy Larsen \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Amy Larsen \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Amy Larsen \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Amy Larsen \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - Amy Larsen \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.9 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 1 | 0 | 0 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300704 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - George Callaham \| Primary Income - Trust Income]; Account Statements - 2021<br> [Borrower - George Callaham \| Primary Income - Trust Income]; Cancelled Checks - 2021<br> [Borrower - George Callaham \| Primary Income - Trust Income]; Other - 2021<br> [Borrower - George Callaham \| Primary Income - Trust Income]; Trust Agreement - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 4.1 |  |  |  | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Other | FICO Risk Score Classic 04 | Fair Isaac | Other | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300623 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Abhinav Ananta \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Abhinav Ananta \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Abhinav Ananta \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.3 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Other | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300622 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - Alyssa Reimers \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - Alyssa Reimers \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - Alyssa Reimers \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.1 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300625 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Sydney Edwards \| Primary Income - Projected Income]; Employer Letter - 2021<br> [Borrower - Sydney Edwards \| Primary Income - Projected Income]; VVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.2 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300711 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Michael Arnold \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Michael Arnold \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Michael Arnold \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Michael Arnold \| Primary Income - Wages]; WVOE - 2020<br> [Coborrower(s) - Lindsay Arnold \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Lindsay Arnold \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Lindsay Arnold \| Primary Income - Wages]; Employer Letter - 2020<br> [Coborrower(s) - Lindsay Arnold \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.0 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 2 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300703 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Moana Zhang \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Moana Zhang \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Moana Zhang \| Primary Income - S-Corp (>= 25%)]; Business License - 2021<br> [Borrower - Moana Zhang \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Moana Zhang \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Moana Zhang \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Moana Zhang \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Moana Zhang \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - Moana Zhang \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Moana Zhang \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - Moana Zhang \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - Moana Zhang \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - Moana Zhang \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 5.0 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Other | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300628 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Frank Dworak \| Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - Frank Dworak \| Primary Income - K-1 (< 25%)]; K-1 - 2018 | [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.2 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac Advanced | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300629 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kaitlyn Irvine \| Primary Income - Wages]; Other - 2021<br> [Borrower - Kaitlyn Irvine \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Kaitlyn Irvine \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Christopher Langel \| Primary Income - Wages]; Other - 2021<br> [Coborrower(s) - Christopher Langel \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Christopher Langel \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Christopher Langel \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Christopher Langel \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Christopher Langel \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300626 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Rebecca Ramos \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Rebecca Ramos \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Rebecca Ramos \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Rebecca Ramos \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Rebecca Ramos \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300712 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Permanent Resident Alien | US Citizen | Permanent Resident Alien |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - Irvin Gonzalez \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Irvin Gonzalez \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Irvin Gonzalez \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Martin Velasco \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Coborrower(s) - Martin Velasco \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Coborrower(s) - Martin Velasco \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - Martin Velasco \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - Martin Velasco \| Primary Income - Sole Proprietor]; Business License - 2016<br> [Coborrower(s) - Martin Velasco \| Non-Primary Income - Social Security]; Account Statements - 2021<br> [Coborrower(s) - Martin Velasco \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2020<br> [Coborrower(s) - Nery Sanchez \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Nery Sanchez \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Nery Sanchez \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Nery Sanchez \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Nery Sanchez \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | Resident Alien Card |  | Resident Alien Card |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300708 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Andrew Bissell \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Andrew Bissell \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Andrew Bissell \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Andrew Bissell \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Andrew Bissell \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Andrew Bissell \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Andrew Bissell \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Andrew Bissell \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Andrew Bissell \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 5.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300612 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Daniel Linfesty \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - Daniel Linfesty \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - Daniel Linfesty \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Daniel Linfesty \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Daniel Linfesty \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300718 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Brandon Carter \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Brandon Carter \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Brandon Carter \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Brandon Carter \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Brandon Carter \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Teresa Carter \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Teresa Carter \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Teresa Carter \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Teresa Carter \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Teresa Carter \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.7 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300717 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Tahir Noohani \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Tahir Noohani \| Primary Income - S-Corp (>= 25%)]; Business License - 2021<br> [Borrower - Tahir Noohani \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Tahir Noohani \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Tahir Noohani \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Tahir Noohani \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Tahir Noohani \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Tahir Noohani \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Tahir Noohani \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - Tahir Noohani \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2021<br> [Borrower - Tahir Noohani \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Tahir Noohani \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Tahir Noohani \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Tahir Noohani \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Tahir Noohani \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | VantageScore 2.0 | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300606 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Steven Schmidt \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Steven Schmidt \| Primary Income - S-Corp (>= 25%)]; Other - 2021<br> [Borrower - Steven Schmidt \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Steven Schmidt \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - Steven Schmidt \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Steven Schmidt \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Steven Schmidt \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Steven Schmidt \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300725 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - John Cummins \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - John Cummins \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - John Cummins \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300594 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Lindsey Bosek \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Lindsey Bosek \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Lindsey Bosek \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Lindsey Bosek \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Nathan Bosek \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - Nathan Bosek \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - Nathan Bosek \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - Nathan Bosek \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - Nathan Bosek \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - Nathan Bosek \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - Nathan Bosek \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - Nathan Bosek \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300601 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Artjom Skljarov \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Artjom Skljarov \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Artjom Skljarov \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Artjom Skljarov \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300722 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Yingyezhe Jin \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Yingyezhe Jin \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Yingyezhe Jin \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Yingyezhe Jin \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300720 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Nicholas Strand \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Nicholas Strand \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Nicholas Strand \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Nicholas Strand \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Nicholas Strand \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300716 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - Bishan Rai \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - Bishan Rai \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Bishan Rai \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - Bishan Rai \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - Bishan Rai \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Bishan Rai \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Bishan Rai \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2020<br> [Borrower - Bishan Rai \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - Bishan Rai \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - Bishan Rai \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Bishan Rai \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - Bishan Rai \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - Bishan Rai \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - Bishan Rai \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Bishan Rai \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - Bishan Rai \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Bishan Rai \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - Bishan Rai \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - Bishan Rai \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Bishan Rai \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300723 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Lindsey Noll \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Lindsey Noll \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Lindsey Noll \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Lindsey Noll \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Lindsey Noll \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - Lindsey Noll \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Nicholas Zielony \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Nicholas Zielony \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Nicholas Zielony \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Nicholas Zielony \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Nicholas Zielony \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - Nicholas Zielony \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300599 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - Daniel Nelson \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Daniel Nelson \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Daniel Nelson \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Daniel Nelson \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Daniel Nelson \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Daniel Nelson \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Daniel Nelson \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - Daniel Nelson \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - Lisa Nelson \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Lisa Nelson \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Lisa Nelson \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Lisa Nelson \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Lisa Nelson \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300587 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ryan Ortega \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Ryan Ortega \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Ryan Ortega \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Ryan Ortega \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Ryan Ortega \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - Ryan Ortega \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300726 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Leslie Ubom \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Leslie Ubom \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Leslie Ubom \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Leslie Ubom \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Leslie Ubom \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Leslie Ubom \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.9 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300600 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Marc Apostol \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Marc Apostol \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Marc Apostol \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Marc Apostol \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Marc Apostol \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - Marc Apostol \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300583 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kellie Walters \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Kellie Walters \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Kellie Walters \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Kellie Walters \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Kellie Walters \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Micah Walters \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Micah Walters \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Micah Walters \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Micah Walters \| Primary Income - Wages]; VVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300585 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Hasala Senevirathne \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Hasala Senevirathne \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Shashini Subasinghe \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Shashini Subasinghe \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Shashini Subasinghe \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300582 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Natasha Lucki \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - Natasha Lucki \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Natasha Lucki \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Natasha Lucki \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Natasha Lucki \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Natasha Lucki \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.1 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300581 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Roy Morales \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Roy Morales \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Roy Morales \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Roy Morales \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300589 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - David Stone \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - David Stone \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - David Stone \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - David Stone \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - David Stone \| Non-Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - David Stone \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - David Stone \| Non-Primary Income - Wages]; VVOE - 2021<br> [Borrower - David Stone \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - David Stone \| Non-Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300580 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jessica Salazar-Olivares \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Jessica Salazar-Olivares \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Jessica Salazar-Olivares \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Jessica Salazar-Olivares \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Jessica Salazar-Olivares \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300590 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - John Stanescu \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - John Stanescu \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - John Stanescu \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - John Stanescu \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - John Stanescu \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - John Stanescu \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2021<br> [Borrower - John Stanescu \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.9 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300588 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Andrew Osgood \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Andrew Osgood \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Andrew Osgood \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Andrew Osgood \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - April Osgood \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - April Osgood \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - April Osgood \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - April Osgood \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300570 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Daniel Watts \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Daniel Watts \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Daniel Watts \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300544 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Matthew Smith \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Matthew Smith \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Matthew Smith \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300534 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Marvic Enriquez \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Marvic Enriquez \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Marvic Enriquez \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Marvic Enriquez \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Marvic Enriquez \| Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300571 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Steven Banh \| Primary Income - Projected Income]; Employer Letter - 2021<br> [Borrower - Steven Banh \| Primary Income - Projected Income]; VVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | DU |  | ApproveEligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300553 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Michael Yoder \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Michael Yoder \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Michael Yoder \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Mariela Pizzatti \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Mariela Pizzatti \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Mariela Pizzatti \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Mariela Pizzatti \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Mariela Pizzatti \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.5 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300542 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Norvik Markarian \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Norvik Markarian \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Norvik Markarian \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Norvik Markarian \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Norvik Markarian \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Norvik Markarian \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Norvik Markarian \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Serli Shaverdi \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Serli Shaverdi \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Serli Shaverdi \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Serli Shaverdi \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Serli Shaverdi \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Serli Shaverdi \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300566 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Michael Zissou \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Michael Zissou \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Michael Zissou \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Jessica Laurence \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Jessica Laurence \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Jessica Laurence \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Jessica Laurence \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.1 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300575 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - James Dipippo \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - James Dipippo \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - James Dipippo \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - James Dipippo \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Stephanie Jones \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Stephanie Jones \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Stephanie Jones \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.6 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300539 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Hernan Fonseca \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Hernan Fonseca \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Hernan Fonseca \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Hernan Fonseca \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Hernan Fonseca \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 3.5 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300564 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Mark Carreon \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Mark Carreon \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Mark Carreon \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Mark Carreon \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Mark Carreon \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Erwyna Carreon \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Erwyna Carreon \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Erwyna Carreon \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Erwyna Carreon \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.7 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300515 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Joaquin Campos \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Joaquin Campos \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Joaquin Campos \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Joaquin Campos \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Alberto Campos \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Alberto Campos \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Alberto Campos \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Alberto Campos \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Alberto Campos \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Alberto Campos \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300543 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Leslie Vargas \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Leslie Vargas \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Leslie Vargas \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Leslie Vargas \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Leslie Vargas \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.8 | LP / LPA |  | Accept | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300573 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Nguyen Ho \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Nguyen Ho \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Nguyen Ho \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Nguyen Ho \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300558 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Phillip Nguyen \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Phillip Nguyen \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Phillip Nguyen \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Dan Ho \| Primary Income - Wages]; Other - 2021<br> [Coborrower(s) - Dan Ho \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Dan Ho \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Dan Ho \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Dan Ho \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Dan Ho \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.4 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300529 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Karrie Dawson \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Karrie Dawson \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Karrie Dawson \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Karrie Dawson \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Karrie Dawson \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Doney Dawson \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Doney Dawson \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Doney Dawson \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Doney Dawson \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Doney Dawson \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Doney Dawson \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300578 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Francisco Guzman Meza \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Francisco Guzman Meza \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Francisco Guzman Meza \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Francisco Guzman Meza \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Mercedes Guzman \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Mercedes Guzman \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Mercedes Guzman \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Mercedes Guzman \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Mercedes Guzman \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - Mercedes Guzman \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - Mercedes Guzman \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300556 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Aliza Batat \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Aliza Batat \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Aliza Batat \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Elhanan Batat \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Elhanan Batat \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Elhanan Batat \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - Elhanan Batat \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 0 | 1 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300519 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Manuel Ipong \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Manuel Ipong \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Manuel Ipong \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Manuel Ipong \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Clara Ipong \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Clara Ipong \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Clara Ipong \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300528 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Arpine Vardanyan \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Arpine Vardanyan \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Arpine Vardanyan \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300521 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Ricardo Rengifo \| Primary Income - C-Corp]; Account Statements - Business - 2021<br> [Borrower - Ricardo Rengifo \| Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - Ricardo Rengifo \| Primary Income - C-Corp]; Third Party Verification - 2021<br> [Borrower - Ricardo Rengifo \| Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - Ricardo Rengifo \| Primary Income - C-Corp]; 4506-C (for Business) - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A |  | XXXX | 0 |  | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300559 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kenneth McElvaney \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Kenneth McElvaney \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Kenneth McElvaney \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Kenneth McElvaney \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Kenneth McElvaney \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Kaci Garrison \| Primary Income - Wages]; Employer Letter - 2021<br> [Coborrower(s) - Kaci Garrison \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Kaci Garrison \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Kaci Garrison \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Kaci Garrison \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300584 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX |  | XXXX |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - Leroy King \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Leroy King \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Leroy King \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Belinda King \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Belinda King \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Belinda King \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - Belinda King \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Belinda King \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Kandace King \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Kandace King \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Kandace King \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300537 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Lanh Nguyen \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - Lanh Nguyen \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Lanh Nguyen \| Primary Income - Wages]; VVOE - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300562 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Sarkes Papazyan \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Sarkes Papazyan \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Sarkes Papazyan \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - Angela Papazyan \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Angela Papazyan \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Angela Papazyan \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Angela Papazyan \| Non-Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Angela Papazyan \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Angela Papazyan \| Non-Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Angela Papazyan \| Non-Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300535 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Lauren Doell \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Lauren Doell \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Lauren Doell \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Lauren Doell \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | DU |  | ApproveEligible | N/A | No | XXXX | 1 |  | 0 | 0 | 4 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300567 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX |  | XXXX |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Coborrower(s) - Jose Marulanda \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Jose Marulanda \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Jose Marulanda \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Jose Marulanda \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Jose Marulanda \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Melissa Marulanda \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Melissa Marulanda \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Melissa Marulanda \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Melissa Marulanda \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 4.0 | DU |  | ApproveEligible | No | No | XXXX | 0 | 2 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300569 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Christian Valencia \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Christian Valencia \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Christian Valencia \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Christian Valencia \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Christian Valencia \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Nicole Valencia \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Nicole Valencia \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Nicole Valencia \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Nicole Valencia \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Nicole Valencia \| Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300516 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Non-Permanent Resident Alien | US Citizen |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Neha Singh \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Neha Singh \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Neha Singh \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Neha Singh \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Neha Singh \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Colby Picton \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Colby Picton \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Colby Picton \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Colby Picton \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Colby Picton \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.7 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300554 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Marci Flores \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Marci Flores \| Primary Income - Wages]; Other - 2021<br> [Borrower - Marci Flores \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Marci Flores \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Marci Flores \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Marci Flores \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Marci Flores \| Non-Primary Income - Sole Proprietor]; Other - 2021<br> [Borrower - Marci Flores \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - Nicole Flores \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Coborrower(s) - Nicole Flores \| Primary Income - C-Corp]; Other - 2021<br> [Coborrower(s) - Nicole Flores \| Primary Income - C-Corp]; Other - 2021<br> [Coborrower(s) - Nicole Flores \| Primary Income - C-Corp]; Other - 2021<br> [Coborrower(s) - Nicole Flores \| Primary Income - C-Corp]; P&L Statement - 2021<br> [Coborrower(s) - Nicole Flores \| Primary Income - C-Corp]; 1120 - 2020<br> [Coborrower(s) - Nicole Flores \| Primary Income - C-Corp]; 4506-C (for Business) - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.2 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 0 | 2 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300547 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | Yes | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Andrew Aragon \| Primary Income - Wages]; Other - 2021<br> [Borrower - Andrew Aragon \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Andrew Aragon \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Andrew Aragon \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Andrew Aragon \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Maria Cooper \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Maria Cooper \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Maria Cooper \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Maria Cooper \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Maria Cooper \| Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveEligible | No | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300492 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Joseph Asaro \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Joseph Asaro \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Joseph Asaro \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Joseph Asaro \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Joseph Asaro \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Joseph Asaro \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300540 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Non-Permanent Resident Alien | US Citizen |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Maria Perez Corona \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Maria Perez Corona \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Maria Perez Corona \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Maria Perez Corona \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Maria Perez Corona \| Non-Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Maria Perez Corona \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Maria Perez Corona \| Non-Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Shafic Doughan \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Shafic Doughan \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Shafic Doughan \| Primary Income - Wages]; The Work Number - Employment Only - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300522 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Courtney Nakamura \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Courtney Nakamura \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Kazuto Nakamura \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Kazuto Nakamura \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Kazuto Nakamura \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A |  | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300526 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Hong Dinh \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Hong Dinh \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Hong Dinh \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Hong Dinh \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Hong Dinh \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Hong Dinh \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300514 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ali Akhavanfar \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Ali Akhavanfar \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.9 | DU |  | ApproveEligible | N/A | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300541 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Johanna Raguindin \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Johanna Raguindin \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Johanna Raguindin \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Johanna Raguindin \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Johanna Raguindin \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Johanna Raguindin \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Johanna Raguindin \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300499 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Chizoh Uzegbu \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Chizoh Uzegbu \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Chizoh Uzegbu \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Chizoh Uzegbu \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Chizoh Uzegbu \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - Chizoh Uzegbu \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Chizoh Uzegbu \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Chizoh Uzegbu \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Chizoh Uzegbu \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - Chizoh Uzegbu \| Non-Primary Income - Wages]; W-2 - 2019<br> [Borrower - Chizoh Uzegbu \| Non-Primary Income - Other]; Other - 2022<br> [Coborrower(s) - Samantha Robb \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Samantha Robb \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Samantha Robb \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Samantha Robb \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Samantha Robb \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.2 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300536 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Bellaria Sarian \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Bellaria Sarian \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Bellaria Sarian \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Richie Wong \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Richie Wong \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Richie Wong \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Richie Wong \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.1 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300551 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX |  | XXXX |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - Victoria Perez \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Victoria Perez \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Victoria Perez \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Fidel Gallardo \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - Pedro Peres \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.2 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 4 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300523 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Anna Hernandez \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Anna Hernandez \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Ricardo Arceo \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Ricardo Arceo \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Ricardo Arceo \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 1 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300560 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Keyvan Khoiy \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Keyvan Khoiy \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Keyvan Khoiy \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300498 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Reynaldo Martinez \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Reynaldo Martinez \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Reynaldo Martinez \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Reynaldo Martinez \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - Reynaldo Martinez \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Reynaldo Martinez \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Reynaldo Martinez \| Non-Primary Income - Wages]; WVOE - 2021<br> [Borrower - Reynaldo Martinez \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - Reynaldo Martinez \| Non-Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Renette Cruz \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Renette Cruz \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Renette Cruz \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Renette Cruz \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Renette Cruz \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.3 | DU |  | ApproveEligible | No | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300518 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Maria Chavez \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Maria Chavez \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Maria Chavez \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Maria Chavez \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Maria Chavez \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Maria Chavez \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Maria Chavez \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - Maria Chavez \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Maria Chavez \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - Maria Chavez \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Maria Chavez \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Maria Chavez \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - Maria Chavez \| Non-Primary Income - Wages]; W-2 - 2019<br> [Borrower - Maria Chavez \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300503 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Emanuel Cervantes \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Emanuel Cervantes \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Emanuel Cervantes \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Emanuel Cervantes \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Emanuel Cervantes \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - Antonio Vergara \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - Antonio Vergara \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - Antonio Vergara \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - Antonio Vergara \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - Antonio Vergara \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 0 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300524 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - David Moe \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - David Moe \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - David Moe \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - David Moe \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - David Moe \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300550 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Kristopher Rentfro \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Kristopher Rentfro \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - Kristopher Rentfro \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - Alyssa Newcomer \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Alyssa Newcomer \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Alyssa Newcomer \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Alyssa Newcomer \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A |  | XXXX | 0 | 1 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300494 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Shanis Manha \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Shanis Manha \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Shanis Manha \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Shanis Manha \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Shanis Manha \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300527 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Joseph Lagafuaina \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Joseph Lagafuaina \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Joseph Lagafuaina \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Jill Herrera-Lagafuaina \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Jill Herrera-Lagafuaina \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Jill Herrera-Lagafuaina \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Jill Herrera-Lagafuaina \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300565 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Carole Vercoustre \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Carole Vercoustre \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Carole Vercoustre \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Passport |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300500 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Shumona Shandha \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Shumona Shandha \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Shumona Shandha \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300533 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - William Christensen \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - William Christensen \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - William Christensen \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300513 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Amilkar Sosa \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Amilkar Sosa \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Amilkar Sosa \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Amilkar Sosa \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Amilkar Sosa \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Yvonne Sosa \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Yvonne Sosa \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Yvonne Sosa \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - Yvonne Sosa \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | No | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300511 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kevin Barnes \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Kevin Barnes \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Kevin Barnes \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Giselle Altea \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Giselle Altea \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Giselle Altea \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 4.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300614 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Erwin Albizu \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Erwin Albizu \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Erwin Albizu \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Erwin Albizu \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Erwin Albizu \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Erwin Albizu \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Erwin Albizu \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300579 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - Tyler Bigler \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Tyler Bigler \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - Tyler Bigler \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Tyler Bigler \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Tyler Bigler \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Tyler Bigler \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Tyler Bigler \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Tyler Bigler \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - Tyler Bigler \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - Allyson Bigler \| Primary Income - Wages]; Other - 2021<br> [Coborrower(s) - Allyson Bigler \| Primary Income - Wages]; Other - 2021<br> [Coborrower(s) - Allyson Bigler \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Allyson Bigler \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Allyson Bigler \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Allyson Bigler \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300512 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Tigran Gabrielyan \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Tigran Gabrielyan \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - Tigran Gabrielyan \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Tigran Gabrielyan \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Tigran Gabrielyan \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Tigran Gabrielyan \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Tigran Gabrielyan \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Tigran Gabrielyan \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Tigran Gabrielyan \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Tigran Gabrielyan \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 2.1 | LP / LPA |  | Accept | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300481 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - Michele Clark-Dougherty \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - Michele Clark-Dougherty \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Michele Clark-Dougherty \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Michele Clark-Dougherty \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Michele Clark-Dougherty \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Michele Clark-Dougherty \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Michele Clark-Dougherty \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Coborrower(s) - Shawn Clark-Dougherty \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Shawn Clark-Dougherty \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Shawn Clark-Dougherty \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Shawn Clark-Dougherty \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Shawn Clark-Dougherty \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300517 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Ryan Datuin \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Ryan Datuin \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - Ryan Datuin \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 0 | 0 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300574 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Mishkat Lightwala \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Mishkat Lightwala \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Mishkat Lightwala \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Mishkat Lightwala \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Mishkat Lightwala \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Mishkat Lightwala \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Reem Krisht \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Reem Krisht \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Reem Krisht \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Reem Krisht \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 1 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300506 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Graham Connor \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Graham Connor \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Graham Connor \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Graham Connor \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 |  | 0 | 0 | 4 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300510 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ronald Dennis \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Ronald Dennis \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Ronald Dennis \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Ronald Dennis \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Denise Taylor \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Denise Taylor \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Denise Taylor \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Denise Taylor \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Denise Taylor \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Denise Taylor \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Denise Taylor \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Denise Taylor \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - Denise Taylor \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 3 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300482 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Alexandre Segura \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Alexandre Segura \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300754 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Steven Du \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Steven Du \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Steven Du \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Steven Du \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Steven Du \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 1 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300576 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Stephanie Lyon \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Stephanie Lyon \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Stephanie Lyon \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Stephanie Lyon \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Stephanie Lyon \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Stephanie Lyon \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - Stephanie Lyon \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300464 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Anirban Roy \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Anirban Roy \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Anirban Roy \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Anirban Roy \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300489 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Donald Stark \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Donald Stark \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Donald Stark \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Donald Stark \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Deven Stark \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Deven Stark \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Deven Stark \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Deven Stark \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Deven Stark \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300496 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Brian Breslin \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Brian Breslin \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Brian Breslin \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Brian Breslin \| Non-Primary Income - Pension]; Paystubs - 2022<br> [Borrower - Brian Breslin \| Non-Primary Income - Pension]; Paystubs - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.7 | DU |  | ApproveEligible | N/A | No | XXXX | 1 |  | 0 | 0 | 4 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300430 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Albert Asatryan \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Albert Asatryan \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.3 | LP / LPA |  | Accept | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300546 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Grace Lee \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Grace Lee \| Primary Income - Wages]; The Work Number - Employment Only - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.3 | LP / LPA |  | Accept | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300493 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - Sarabjit Mehat \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - Sarabjit Mehat \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - Sarabjit Mehat \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.7 | LP / LPA |  | Accept | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300538 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Nameer Jalel \| Primary Income - Wages]; Other - 2022<br> [Borrower - Nameer Jalel \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Nameer Jalel \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Nameer Jalel \| Primary Income - Wages]; Account Statements - 2021<br> [Borrower - Nameer Jalel \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Nameer Jalel \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Nameer Jalel \| Primary Income - Wages]; Restricted Stock Agreement - 2021<br> [Borrower - Nameer Jalel \| Primary Income - Wages]; Vesting Schedule - 2021<br> [Borrower - Nameer Jalel \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Nameer Jalel \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Nameer Jalel \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - Nameer Jalel \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300420 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Brian Baker \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Brian Baker \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Brian Baker \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.1 | DU |  | ApproveEligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300467 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Angelina Miller \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Angelina Miller \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Angelina Miller \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Angelina Miller \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Angelina Miller \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - Angelina Miller \| Primary Income - Wages]; Paystubs - 2018<br> [Coborrower(s) - Mark Miller \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Mark Miller \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Mark Miller \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300487 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Donte Whigham \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - Donte Whigham \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Donte Whigham \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Donte Whigham \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - Donte Whigham \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Donte Whigham \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Donte Whigham \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Donte Whigham \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Donte Whigham \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - Donte Whigham \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Coborrower(s) - Venedra Whigham \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Venedra Whigham \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Venedra Whigham \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Venedra Whigham \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 3 | 2 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300468 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Hyun Yoo \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Hyun Yoo \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Hyun Yoo \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Hyun Yoo \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Hyun Yoo \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 4.2 | DU |  | ApproveEligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300486 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Samson Do \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Samson Do \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Samson Do \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Rosanna Lu \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Rosanna Lu \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Rosanna Lu \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.3 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300491 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Bartosz Nogal \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Bartosz Nogal \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Bartosz Nogal \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Bartosz Nogal \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Bartosz Nogal \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Bartosz Nogal \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.3 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300490 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Tran Tran \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Tran Tran \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Tran Tran \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Albert Kim \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Albert Kim \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Albert Kim \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300497 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ray Garcia \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ray Garcia \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Ray Garcia \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Ray Garcia \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Ray Garcia \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Ray Garcia \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ray Garcia \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Ray Garcia \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Ray Garcia \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - Ray Garcia \| Non-Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Diana Sanchez \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Diana Sanchez \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Diana Sanchez \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Diana Sanchez \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Diana Sanchez \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Diana Sanchez \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Diana Sanchez \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300459 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Faez Yonis \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Faez Yonis \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Faez Yonis \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Faez Yonis \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 2.5 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300450 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Juan Murillo \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Juan Murillo \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Juan Murillo \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Natalia Cuba \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Natalia Cuba \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Natalia Cuba \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300434 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Artak Hayrapetyan \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Artak Hayrapetyan \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Artak Hayrapetyan \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Araks Hayrapetyan \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Araks Hayrapetyan \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300532 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Adrian Valencia \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Adrian Valencia \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Adrian Valencia \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Adrian Valencia \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Adrian Valencia \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Adrian Valencia \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.5 | DU |  | ApproveEligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300457 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Elizabeth Engall \| Primary Income - Wages]; Other - 2022<br> [Borrower - Elizabeth Engall \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Elizabeth Engall \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Elizabeth Engall \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Elizabeth Engall \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Elizabeth Engall \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Elizabeth Engall \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Elizabeth Engall \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.4 | LP / LPA |  | Accept | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300470 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jean Mulangu \| Primary Income - Wages]; Other - 2022<br> [Borrower - Jean Mulangu \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jean Mulangu \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Jean Mulangu \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Jean Mulangu \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Jean Mulangu \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Jean Mulangu \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jean Mulangu \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300484 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Brian Warner \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Brian Warner \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Brian Warner \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Brian Warner \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Brian Warner \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 2.7 | LP / LPA |  | Accept | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300530 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Alexandra DiNatale \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Alexandra DiNatale \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Alexandra DiNatale \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Alexandra DiNatale \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - Daniel Choo \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Daniel Choo \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.1 | LP / LPA |  | Accept | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300507 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Daniel Do \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Daniel Do \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Daniel Do \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Daniel Do \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Daniel Do \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Toan Phan \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Toan Phan \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Toan Phan \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Toan Phan \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300471 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Justin Welch \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Justin Welch \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Justin Welch \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Gina Welch \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Gina Welch \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Gina Welch \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Gina Welch \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.1 | LP / LPA |  | Accept | N/A | No | XXXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX |  |  |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300504 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Benzion Honig \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - Benzion Honig \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Benzion Honig \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - Benzion Honig \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Benzion Honig \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Benzion Honig \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Benzion Honig \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300488 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Rajesh Selvam \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Rajesh Selvam \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Rajesh Selvam \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Rajesh Selvam \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Dhivya Sridhar \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Dhivya Sridhar \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Dhivya Sridhar \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Dhivya Sridhar \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.7 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300451 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX |  | XXXX |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien | US Citizen |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - Sriyas Pande \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Sriyas Pande \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Sriram Pande \| Primary Income - Pension]; Award Letter / Continuance Letter - 2020<br> [Coborrower(s) - Slesha Thapa \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Slesha Thapa \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  | Resident Alien Card | Resident Alien Card |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300478 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Rakesh Prasad \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Rakesh Prasad \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Rakesh Prasad \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Rakesh Prasad \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Divya Lall \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - Divya Lall \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Divya Lall \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Divya Lall \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Divya Lall \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Divya Lall \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300502 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Charles Cain \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Charles Cain \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Charles Cain \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Charles Cain \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Charles Cain \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300447 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Thanh Nguyen \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Thanh Nguyen \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Thanh Nguyen \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Thanh Nguyen \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Thanh Nguyen \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Thanh Nguyen \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Thanh Nguyen \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Thanh Nguyen \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Duc Le \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Duc Le \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Duc Le \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Duc Le \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Duc Le \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Duc Le \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Duc Le \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | VISA |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300424 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jose Ontiveros \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jose Ontiveros \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jose Ontiveros \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Jose Ontiveros \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jose Ontiveros \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Karla Acosta Pinedo \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Karla Acosta Pinedo \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Karla Acosta Pinedo \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Karla Acosta Pinedo \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Karla Acosta Pinedo \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.9 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300495 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Joseph Schwartz \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Joseph Schwartz \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Joseph Schwartz \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Joseph Schwartz \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Joseph Schwartz \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.4 | DU |  | ApproveEligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300466 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Omar Sakr \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - Omar Sakr \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Omar Sakr \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Omar Sakr \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Omar Sakr \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Omar Sakr \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Omar Sakr \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300418 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Sharon Shapiro \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Sharon Shapiro \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Sharon Shapiro \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300458 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - John Chrysler \| Primary Income - C-Corp]; Paystubs - 2022<br> [Borrower - John Chrysler \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - John Chrysler \| Primary Income - C-Corp]; Third Party Verification - 2021<br> [Borrower - John Chrysler \| Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - John Chrysler \| Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - John Chrysler \| Primary Income - C-Corp]; Paystubs - 2020<br> [Borrower - John Chrysler \| Primary Income - C-Corp]; W-2 - 2020<br> [Borrower - John Chrysler \| Primary Income - C-Corp]; Paystubs - 2019<br> [Borrower - John Chrysler \| Primary Income - C-Corp]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300402 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX |  | XXXX |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - Melanie Sigar \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Melanie Sigar \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Melanie Sigar \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Melanie Sigar \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Aurora Sigar \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Aurora Sigar \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Aurora Sigar \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Monalisa Sigar \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Monalisa Sigar \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Monalisa Sigar \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300376 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Vicente Vazquez \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Vicente Vazquez \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Vicente Vazquez \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Vicente Vazquez \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Vicente Vazquez \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300353 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Alexis Larsen \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Alexis Larsen \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Alexis Larsen \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Alexis Larsen \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300409 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Garegin Khachatrian \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Garegin Khachatrian \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Garegin Khachatrian \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Garegin Khachatrian \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Garegin Khachatrian \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Garegin Khachatrian \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - Garegin Khachatrian \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - Garegin Khachatrian \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Garegin Khachatrian \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Garegin Khachatrian \| Non-Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300399 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - John Dang \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - John Dang \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - John Dang \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - John Dang \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - John Dang \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - John Dang \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 3 |  | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300508 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Bradley Crusco \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Bradley Crusco \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - Bradley Crusco \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - Bradley Crusco \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Bradley Crusco \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Bradley Crusco \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 |  | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300453 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Eunice Park \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Eunice Park \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Eunice Park \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Alexander Park \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Alexander Park \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Alexander Park \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.1 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300380 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Paul Chase \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Paul Chase \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Paul Chase \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Paul Chase \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300545 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Bradley Hubbard \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Bradley Hubbard \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Bradley Hubbard \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Bradley Hubbard \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Bradley Hubbard \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Catherine Hubbard \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Catherine Hubbard \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Catherine Hubbard \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - Catherine Hubbard \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2020<br> [Coborrower(s) - Catherine Hubbard \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Catherine Hubbard \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Catherine Hubbard \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - Catherine Hubbard \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300568 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Neil Lella \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Neil Lella \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Neil Lella \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Neil Lella \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Neil Lella \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Neil Lella \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Neil Lella \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300548 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Hideru Inoue \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Hideru Inoue \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Hideru Inoue \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Katherine Inoue \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Katherine Inoue \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Katherine Inoue \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 5.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300572 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Roger Cox \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - Roger Cox \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - Roger Cox \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Roger Cox \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Roger Cox \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Roger Cox \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Roger Cox \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - Roger Cox \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Roger Cox \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - Roger Cox \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - Roger Cox \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300400 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Mimi Theerathada \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Mimi Theerathada \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Mimi Theerathada \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Mimi Theerathada \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Mimi Theerathada \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Mimi Theerathada \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Mimi Theerathada \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - Donald Theerathada \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - Donald Theerathada \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - Donald Theerathada \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - Donald Theerathada \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - Donald Theerathada \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - Donald Theerathada \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - Donald Theerathada \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300446 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Clifford Green \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Clifford Green \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Clifford Green \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Clifford Green \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Clifford Green \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Clifford Green \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300397 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Christian Riddle \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Christian Riddle \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Christian Riddle \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Christian Riddle \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Christian Riddle \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300465 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Carl Hardie \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Carl Hardie \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Carl Hardie \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Carl Hardie \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Carl Hardie \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Carl Hardie \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300426 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ramesh Babu Srikakollu \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ramesh Babu Srikakollu \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Ramesh Babu Srikakollu \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300419 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX |  | XXXX |  | Permanent Resident Alien | Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - Siva Jakka \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Siva Jakka \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Siva Jakka \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Chaitanya Jakka \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Chaitanya Jakka \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Chaitanya Jakka \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Chaitanya Jakka \| Primary Income - Wages]; Other - 2021<br> [Coborrower(s) - Chaitanya Jakka \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Chaitanya Jakka \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  | Resident Alien Card | Resident Alien Card | VISA |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300385 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Tigran Mkrtchyan \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Tigran Mkrtchyan \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Tigran Mkrtchyan \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300407 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jamie Armstrong \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jamie Armstrong \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jamie Armstrong \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300415 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Christopher Black \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Christopher Black \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Christopher Black \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Christopher Black \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Christopher Black \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Christopher Black \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - Alix Rutsey \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Alix Rutsey \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Alix Rutsey \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | FICO Classic V5 Facta |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300485 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Matthew Turrentine \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - Matthew Turrentine \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Matthew Turrentine \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Matthew Turrentine \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Matthew Turrentine \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - Morgan Brett \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Morgan Brett \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Morgan Brett \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Morgan Brett \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 2.4 | LP / LPA |  | Accept | N/A | No | XXXX | 0 | 2 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300368 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Shagitu Jillo \| Primary Income - Foster Care]; Award Letter / Continuance Letter - 2022<br> [Borrower - Shagitu Jillo \| Primary Income - Foster Care]; Account Statements - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300476 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ebenezer Oladimeji \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ebenezer Oladimeji \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Ebenezer Oladimeji \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Ebenezer Oladimeji \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Ebenezer Oladimeji \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Ebenezer Oladimeji \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300473 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Brandon Pacillo \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Brandon Pacillo \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Brandon Pacillo \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Colby Chapman \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - Colby Chapman \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Colby Chapman \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Colby Chapman \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 5.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300452 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Christopher Tice \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Christopher Tice \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Christopher Tice \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Christopher Tice \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Christopher Tice \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Christopher Tice \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300472 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Preston Victor Seth Gazowsky \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Preston Victor Seth Gazowsky \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300480 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Joel Weiss \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Joel Weiss \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - Joel Weiss \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Joel Weiss \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Joel Weiss \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - Joel Weiss \| Primary Income - Partnership (>= 25%)]; Other - 2020<br> [Borrower - Joel Weiss \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - Gella Weiss \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Gella Weiss \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Gella Weiss \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Gella Weiss \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Gella Weiss \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Gella Weiss \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 1 | 0 | 4 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300436 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX |  | XXXX |  | US Citizen | US Citizen | Permanent Resident Alien |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - Jose Robles \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jose Robles \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jose Robles \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Jose Robles \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Maricela Robles \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Maricela Robles \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Maricela Robles \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Victor Urtiz \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Victor Urtiz \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Victor Urtiz \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | 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 | FICO Risk Score Classic 04 |  |  |  |  | Resident Alien Card |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300421 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kayla Clarot \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Kayla Clarot \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Kayla Clarot \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Jonathan Heath \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jonathan Heath \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Jonathan Heath \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300387 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - Cameron Boling \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Cameron Boling \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Cameron Boling \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Cameron Boling \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Cameron Boling \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Cameron Boling \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - Cameron Boling \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Account Transcripts - 2019<br> [Coborrower]; Account Transcripts - 2018 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300477 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Erich Trumm \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Erich Trumm \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - Erich Trumm \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Erich Trumm \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Erich Trumm \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Erich Trumm \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Erich Trumm \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Erich Trumm \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Erich Trumm \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Erich Trumm \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Erich Trumm \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 5.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300411 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Steven Chasey \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Steven Chasey \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Borrower - Steven Chasey \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Steven Chasey \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Steven Chasey \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Steven Chasey \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Steven Chasey \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Steven Chasey \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Sarah Wolfman-Robichaud \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Sarah Wolfman-Robichaud \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Sarah Wolfman-Robichaud \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Sarah Wolfman-Robichaud \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Sarah Wolfman-Robichaud \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.9 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300371 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Firas Abbas \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Firas Abbas \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Firas Abbas \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Firas Abbas \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Firas Abbas \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300369 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Asher Qureshi \| Primary Income - Wages]; Other - 2022<br> [Borrower - Asher Qureshi \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Asher Qureshi \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Asher Qureshi \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Asher Qureshi \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Asher Qureshi \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Asher Qureshi \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300377 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Alvaro Duque \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Alvaro Duque \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Alvaro Duque \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - Alvaro Duque \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Alvaro Duque \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Alvaro Duque \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300390 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jacquelyn Gonzales \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jacquelyn Gonzales \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jacquelyn Gonzales \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jacquelyn Gonzales \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Jacquelyn Gonzales \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - Jacquelyn Gonzales \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Jacquelyn Gonzales \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jacquelyn Gonzales \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Jacquelyn Gonzales \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300438 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Evan Kosowski \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Evan Kosowski \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Evan Kosowski \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300442 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Peter Brandt \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Peter Brandt \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Peter Brandt \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300406 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jessica Rodriguez \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jessica Rodriguez \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jessica Rodriguez \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jessica Rodriguez \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300425 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Matthew Stevenson \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Matthew Stevenson \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Matthew Stevenson \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Matthew Stevenson \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Matthew Stevenson \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Borrower - Matthew Stevenson \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - Matthew Stevenson \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - Matthew Stevenson \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - Matthew Stevenson \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - Matthew Stevenson \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300403 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - David Moller \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - David Moller \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - David Moller \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - David Moller \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Eunice Moller \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Eunice Moller \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Eunice Moller \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Eunice Moller \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300383 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Vishnu Kumar \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Vishnu Kumar \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Vishnu Kumar \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Vishnu Kumar \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300408 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Alan Stratton \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Alan Stratton \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Alan Stratton \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Alan Stratton \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Alan Stratton \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300405 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Fitsum Mekonnen \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Fitsum Mekonnen \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Fitsum Mekonnen \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - Fitsum Mekonnen \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Fitsum Mekonnen \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - Hiwot Beyene \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Hiwot Beyene \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Hiwot Beyene \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Hiwot Beyene \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Hiwot Beyene \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Hiwot Beyene \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300370 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Isaac Dolby \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Isaac Dolby \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Isaac Dolby \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Jasmin Dolby \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jasmin Dolby \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jasmin Dolby \| Primary Income - Wages]; The Work Number - Employment Only - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300313 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ahmet Hadzijusufovic \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ahmet Hadzijusufovic \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Ahmet Hadzijusufovic \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Ahmet Hadzijusufovic \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300455 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | Yes | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - John Gassaway \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - John Gassaway \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - John Gassaway \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - John Gassaway \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - John Gassaway \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - John Gassaway \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - John Gassaway \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - John Gassaway \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300350 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kristine Smsaryan \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - Kristine Smsaryan \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - Kristine Smsaryan \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300404 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ajit Pandey \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ajit Pandey \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Ajit Pandey \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Ajit Pandey \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Ramnik Rai \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Ramnik Rai \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Ramnik Rai \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Ramnik Rai \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Ramnik Rai \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300386 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Gundars Katlaps \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Gundars Katlaps \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Gundars Katlaps \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Gundars Katlaps \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300431 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Sean Galvin \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Sean Galvin \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Sean Galvin \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Sean Galvin \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Sidra Galvin \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - Sidra Galvin \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Sidra Galvin \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Sidra Galvin \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Sidra Galvin \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300429 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jacinto Callu \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jacinto Callu \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jacinto Callu \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Jacinto Callu \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Jacinto Callu \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300394 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Shambhavi Prasade \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Shambhavi Prasade \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Shambhavi Prasade \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Shambhavi Prasade \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Shambhavi Prasade \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Abhay Thomas \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Abhay Thomas \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Abhay Thomas \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Abhay Thomas \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Abhay Thomas \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300312 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Riley Michel \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Riley Michel \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Riley Michel \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Riley Michel \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Riley Michel \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Riley Michel \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Riley Michel \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - Riley Michel \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Riley Michel \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - Riley Michel \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - Riley Michel \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Coborrower(s) - Lauren Michel \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Lauren Michel \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Lauren Michel \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Lauren Michel \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 | 1 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300304 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Mark Johnson \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Mark Johnson \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300374 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Mark Hernandez \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Mark Hernandez \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Mark Hernandez \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Mark Hernandez \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Mark Hernandez \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.6 | DU |  | ApproveEligible | N/A | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300410 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300346 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Rosemarie Soriano \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Rosemarie Soriano \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Rosemarie Soriano \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Rosemarie Soriano \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Rosemarie Soriano \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Rosemarie Soriano \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300382 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Tyler Jensen \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Tyler Jensen \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Tyler Jensen \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Jacquelyn Joann Jensen \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jacquelyn Joann Jensen \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Jacquelyn Joann Jensen \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Jacquelyn Joann Jensen \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jacquelyn Joann Jensen \| Non-Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Jacquelyn Joann Jensen \| Non-Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300391 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jake Arriola \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jake Arriola \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jake Arriola \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jake Arriola \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Jake Arriola \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300315 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Alexandria Mouw \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Alexandria Mouw \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Alexandria Mouw \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Alexandria Mouw \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Zachary Mouw \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Zachary Mouw \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Zachary Mouw \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Zachary Mouw \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300393 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Steven Asifo \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Steven Asifo \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Steven Asifo \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Steven Asifo \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Steven Asifo \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Elizabeth Johns \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Elizabeth Johns \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Elizabeth Johns \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Elizabeth Johns \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300364 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Marat Brykau \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - Marat Brykau \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Marat Brykau \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Marat Brykau \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Marat Brykau \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Marat Brykau \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - Rita Kovacs \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Rita Kovacs \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Rita Kovacs \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Rita Kovacs \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A | No | XXXX | 0 | 1 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300483 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Alex Harutyunyan \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - Alex Harutyunyan \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Alex Harutyunyan \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Alex Harutyunyan \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Alex Harutyunyan \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Alex Harutyunyan \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Alex Harutyunyan \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Alex Harutyunyan \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - Alex Harutyunyan \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - Alex Harutyunyan \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Alex Harutyunyan \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - Alex Harutyunyan \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Alex Harutyunyan \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Alex Harutyunyan \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Alex Harutyunyan \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 5.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 2 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300324 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - James Atkins \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - James Atkins \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - James Atkins \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - James Atkins \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - James Atkins \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300335 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - Matthew Shone \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Matthew Shone \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Matthew Shone \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Matthew Shone \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300454 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Carlos Mendez \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - Carlos Mendez \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - Alfredo Mendez \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Alfredo Mendez \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Alfredo Mendez \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Alfredo Mendez \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Alfredo Mendez \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300441 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Venkatesh Jitender \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Venkatesh Jitender \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Venkatesh Jitender \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Venkatesh Jitender \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Venkatesh Jitender \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Shyama Neelambika \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Shyama Neelambika \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Shyama Neelambika \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Shyama Neelambika \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Shyama Neelambika \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Shyama Neelambika \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300332 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Diego Ferreira \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - Diego Ferreira \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Diego Ferreira \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Diego Ferreira \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Diego Ferreira \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300333 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Daniel Ortiz \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Daniel Ortiz \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Daniel Ortiz \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Daniel Ortiz \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Daniel Ortiz \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Carolina Ortiz \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Carolina Ortiz \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Carolina Ortiz \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Carolina Ortiz \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Carolina Ortiz \| Non-Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Carolina Ortiz \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 1 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300287 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Scott Fragale \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Scott Fragale \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Scott Fragale \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Scott Fragale \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Scott Fragale \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Ashley Fragale \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Ashley Fragale \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Ashley Fragale \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300355 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Shirin Moshfegh \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Shirin Moshfegh \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Shirin Moshfegh \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Shirin Moshfegh \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Farzad Moshfegh \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Farzad Moshfegh \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Farzad Moshfegh \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Farzad Moshfegh \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Farzad Moshfegh \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Farzad Moshfegh \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300439 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Brant Williams \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Brant Williams \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Brant Williams \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - Brant Williams \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Brant Williams \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Brant Williams \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Brant Williams \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.9 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300462 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Peter Quiros \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Peter Quiros \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Peter Quiros \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Peter Quiros \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Peter Quiros \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Peter Quiros \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300340 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Dominique Rodriguez \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Dominique Rodriguez \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Dominique Rodriguez \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Dominique Rodriguez \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300294 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Benjamin Radler \| Primary Income - Wages]; Other - 2022<br> [Borrower - Benjamin Radler \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Benjamin Radler \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Benjamin Radler \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Benjamin Radler \| Primary Income - Wages]; Vesting Schedule - 2022<br> [Borrower - Benjamin Radler \| Primary Income - Wages]; Restricted Stock Agreement - 2021<br> [Borrower - Benjamin Radler \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Benjamin Radler \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300359 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jakub Pyszka \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Jakub Pyszka \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Jakub Pyszka \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Jakub Pyszka \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300381 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Nigussie Geleta \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Nigussie Geleta \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Nigussie Geleta \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Nigussie Geleta \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - Nigussie Geleta \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Nigussie Geleta \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300456 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Justin Diehl \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Justin Diehl \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Justin Diehl \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Justin Diehl \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Justin Diehl \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300461 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Matthew Anderson \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Matthew Anderson \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Matthew Anderson \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Matthew Anderson \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300323 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kendra Karczewski \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Kendra Karczewski \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Kendra Karczewski \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Kendra Karczewski \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Kendra Karczewski \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300460 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Sandeep Hiremath \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Sandeep Hiremath \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Sandeep Hiremath \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Sandeep Hiremath \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Sandeep Hiremath \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Jyoti Poojari \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jyoti Poojari \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Jyoti Poojari \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Jyoti Poojari \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300328 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Deepak Pawar \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Deepak Pawar \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Deepak Pawar \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Deepak Pawar \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Deepak Pawar \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Jaishree Netke \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jaishree Netke \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jaishree Netke \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jaishree Netke \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Jaishree Netke \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Jaishree Netke \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Jaishree Netke \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | DU |  | ApproveIneligible | N/A | No | XXXX | 3 | 3 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300336 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Evan Duffey \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Evan Duffey \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Evan Duffey \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Evan Duffey \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Maria Duffey \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Maria Duffey \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Maria Duffey \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.1 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300373 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Anirudh Konduri \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Anirudh Konduri \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Anirudh Konduri \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Anirudh Konduri \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Anirudh Konduri \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Yashasvi Komma \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Yashasvi Komma \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Yashasvi Komma \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Yashasvi Komma \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Yashasvi Komma \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300307 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Channy Lim \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Channy Lim \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Channy Lim \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Channy Lim \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Channy Lim \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Channy Lim \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Shawn Thoeun \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Shawn Thoeun \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Shawn Thoeun \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Shawn Thoeun \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Shawn Thoeun \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Shawn Thoeun \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300321 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Regina Yuhasz \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Regina Yuhasz \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Regina Yuhasz \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300348 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Tyler Ortman \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Tyler Ortman \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Tyler Ortman \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Tyler Ortman \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Coborrower(s) - Victoria Hinderaker \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Victoria Hinderaker \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Victoria Hinderaker \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Victoria Hinderaker \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Victoria Hinderaker \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300375 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ohm Youngmisuk \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ohm Youngmisuk \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Ohm Youngmisuk \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300474 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Michael Wroblewski \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - Michael Wroblewski \| Primary Income - K-1 (< 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300398 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Christopher Elmer \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Christopher Elmer \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Christopher Elmer \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Christopher Elmer \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Christopher Elmer \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Christopher Elmer \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Christopher Elmer \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300351 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jordan Austin \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Jordan Austin \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jordan Austin \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jordan Austin \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300329 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Anil Singh \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Anil Singh \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Anil Singh \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Anil Singh \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Anil Singh \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Anil Singh \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Parbattie Singh \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Parbattie Singh \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Parbattie Singh \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Parbattie Singh \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Parbattie Singh \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.8 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300443 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Elena Shrode \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Elena Shrode \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Elena Shrode \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Elena Shrode \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Elena Shrode \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Richard Shrode \| Non-Primary Income - Disability]; Other - 2022<br> [Coborrower(s) - Richard Shrode \| Non-Primary Income - Disability]; Account Statements - 2021<br> [Coborrower(s) - Richard Shrode \| Non-Primary Income - Disability]; W-2 - 2020<br> [Coborrower(s) - Richard Shrode \| Non-Primary Income - Disability]; W-2 - 2019<br> [Coborrower(s) - Richard Shrode \| Primary Income - Pension]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - Richard Shrode \| Primary Income - Pension]; Account Statements - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300344 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Nazanin Kashani \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Nazanin Kashani \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Nazanin Kashani \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Nazanin Kashani \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Nazanin Kashani \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Nazanin Kashani \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Nazanin Kashani \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300396 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jason Vendel \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jason Vendel \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jason Vendel \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jason Vendel \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Alexander Bardzik \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Alexander Bardzik \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Alexander Bardzik \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Alexander Bardzik \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300347 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Sudheera Addepally \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Sudheera Addepally \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Sudheera Addepally \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Sudheera Addepally \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300337 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Karine Duverger \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Karine Duverger \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Karine Duverger \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Karine Duverger \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Karine Duverger \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Karine Duverger \| Non-Primary Income - Wages]; VVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300343 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Dustin Fay \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Dustin Fay \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Dustin Fay \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Dustin Fay \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Dustin Fay \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Dustin Fay \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Jenna Bragagnolo \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jenna Bragagnolo \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Jenna Bragagnolo \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Jenna Bragagnolo \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Jenna Bragagnolo \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Jenna Bragagnolo \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 | 2 | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300311 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jordan Anderson \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jordan Anderson \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jordan Anderson \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jordan Anderson \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Vanessa Anderson \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Vanessa Anderson \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Vanessa Anderson \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300372 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ralph Garcia \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ralph Garcia \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ralph Garcia \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Ralph Garcia \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Ralph Garcia \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Ralph Garcia \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Ralph Garcia \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Erica Garcia \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Erica Garcia \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Erica Garcia \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Erica Garcia \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Erica Garcia \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Erica Garcia \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300362 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Larry Wakeley \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Larry Wakeley \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Larry Wakeley \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Larry Wakeley \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Michelle Roberts \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Michelle Roberts \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Michelle Roberts \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Michelle Roberts \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Michelle Roberts \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300354 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Carter Ochi \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Carter Ochi \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Carter Ochi \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Carter Ochi \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Carter Ochi \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Carter Ochi \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Patricia Ochi \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Patricia Ochi \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Patricia Ochi \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300357 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Rene Larrieu \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Rene Larrieu \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Rene Larrieu \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Rene Larrieu \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300378 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Deepthi Surineni \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Deepthi Surineni \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300309 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - John Bragg \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - John Bragg \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - John Bragg \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Megan Pohley \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Megan Pohley \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Megan Pohley \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.4 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300395 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Guilherme Loiacono \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Guilherme Loiacono \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Guilherme Loiacono \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Guilherme Loiacono \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Guilherme Loiacono \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300349 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Robin Schotter \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Robin Schotter \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Robin Schotter \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Robin Schotter \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Robin Schotter \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Robin Schotter \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Robin Schotter \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2022<br> [Coborrower(s) - Danielle McIntosh \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - Danielle McIntosh \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Danielle McIntosh \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Danielle McIntosh \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300288 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Joaquin Rodriguez \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Joaquin Rodriguez \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Joaquin Rodriguez \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Joaquin Rodriguez \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Joaquin Rodriguez \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - Joaquin Rodriguez \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2017<br> [Borrower - Joaquin Rodriguez \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Joaquin Rodriguez \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Joaquin Rodriguez \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - Eyleen Diaz \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Eyleen Diaz \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Eyleen Diaz \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Eyleen Diaz \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Eyleen Diaz \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300289 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Steven Ichikawa \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Steven Ichikawa \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Steven Ichikawa \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Steven Ichikawa \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Steven Ichikawa \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Steven Ichikawa \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Midori Petty Le \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Midori Petty Le \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Midori Petty Le \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Midori Petty Le \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300389 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Harmony Gbe \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Harmony Gbe \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Harmony Gbe \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Harmony Gbe \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300413 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - James Veit \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - James Veit \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - James Veit \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - James Veit \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300782 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - Juliana Angelogianopulos \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Juliana Angelogianopulos \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Juliana Angelogianopulos \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Juliana Angelogianopulos \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Juliana Angelogianopulos \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Juliana Angelogianopulos \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Juliana Angelogianopulos \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 3 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300278 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Brian Kelley \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Brian Kelley \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Brian Kelley \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.6 | LP / LPA |  | Accept | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300281 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Shane Zanze \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Shane Zanze \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Shane Zanze \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Shane Zanze \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300296 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Tana Hoch \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Tana Hoch \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Tana Hoch \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Tana Hoch \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Tana Hoch \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Tana Hoch \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Carson Hoch \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Carson Hoch \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Carson Hoch \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Carson Hoch \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Carson Hoch \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300310 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Andy Lopez \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Andy Lopez \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Andy Lopez \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Andy Lopez \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - Andy Lopez \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Andy Lopez \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300770 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Brian Viegas \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Brian Viegas \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Brian Viegas \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveEligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Passport |  |  |  |  |  |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300435 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Leonardo Moura \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Leonardo Moura \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - Leonardo Moura \| Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Borrower - Leonardo Moura \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Leonardo Moura \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Leonardo Moura \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - Leonardo Moura \| Primary Income - Partnership (>= 25%)]; Other - 2020<br> [Borrower - Leonardo Moura \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Leonardo Moura \| Non-Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Borrower - Leonardo Moura \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Leonardo Moura \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Leonardo Moura \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - Leonardo Moura \| Non-Primary Income - Partnership (>= 25%)]; Other - 2020<br> [Coborrower(s) - Antoinette Moura \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Antoinette Moura \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Antoinette Moura \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Antoinette Moura \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Antoinette Moura \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300414 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - Michael Morgan \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Michael Morgan \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Michael Morgan \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Michael Morgan \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Michael Morgan \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Michael Morgan \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Michael Morgan \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300282 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Derek Peterson \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Derek Peterson \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Derek Peterson \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Derek Peterson \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Derek Peterson \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300319 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Louis Chernak \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Louis Chernak \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Louis Chernak \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Samantha Chernak \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300308 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Lusine Chilingaryan \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Lusine Chilingaryan \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Lusine Chilingaryan \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Lusine Chilingaryan \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Lusine Chilingaryan \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Lusine Chilingaryan \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - Lusine Chilingaryan \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300437 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Melanie Quintana \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Melanie Quintana \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Melanie Quintana \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Melanie Quintana \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Melanie Quintana \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Melanie Quintana \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Carlos Quintana \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Carlos Quintana \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Carlos Quintana \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Carlos Quintana \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Carlos Quintana \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - Carlos Quintana \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - Carlos Quintana \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - Carlos Quintana \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - Carlos Quintana \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - Carlos Quintana \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - Carlos Quintana \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - Carlos Quintana \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - Carlos Quintana \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 3 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300302 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Cassondra Martin \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Cassondra Martin \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Cassondra Martin \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Cassondra Martin \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Michael Martin \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - Michael Martin \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Michael Martin \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Coborrower(s) - Michael Martin \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Michael Martin \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Michael Martin \| Primary Income - Wages]; Vesting Schedule - 2022<br> [Coborrower(s) - Michael Martin \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Michael Martin \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Michael Martin \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Michael Martin \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300342 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Nichole Anderson \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Nichole Anderson \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Nichole Anderson \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Nichole Anderson \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Nichole Anderson \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Nichole Anderson \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Andre Prosperi \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Andre Prosperi \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Andre Prosperi \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Andre Prosperi \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Andre Prosperi \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300299 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Kristopher Wallenta \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - Kristopher Wallenta \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - Kristopher Wallenta \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Kristopher Wallenta \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Kristopher Wallenta \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Kristopher Wallenta \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Kristopher Wallenta \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Kristopher Wallenta \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - Kristopher Wallenta \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Kristopher Wallenta \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - Kristopher Wallenta \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - Kristopher Wallenta \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300286 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Carlos Alvarez \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Carlos Alvarez \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Carlos Alvarez \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Carlos Alvarez \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Carlos Alvarez \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300322 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Adam Coonfield \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Adam Coonfield \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Adam Coonfield \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Adam Coonfield \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Adam Coonfield \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Adam Coonfield \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - Andrea Coonfield \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Andrea Coonfield \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Andrea Coonfield \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Andrea Coonfield \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Andrea Coonfield \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300285 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Dylan Law \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Dylan Law \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Dylan Law \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Dylan Law \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Dylan Law \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Dylan Law \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Bridgid Garcia \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Bridgid Garcia \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Bridgid Garcia \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Bridgid Garcia \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Bridgid Garcia \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Bridgid Garcia \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 3 | 3 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300303 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jeffrey Stout \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jeffrey Stout \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jeffrey Stout \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Jeffrey Stout \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jeffrey Stout \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Jeffrey Stout \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - Jeffrey Stout \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.2 | DU |  | ApproveEligible | N/A | No | XXXX | 4 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300326 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Janelyne Ho \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - Janelyne Ho \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Janelyne Ho \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Janelyne Ho \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Janelyne Ho \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - Janelyne Ho \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Janelyne Ho \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Janelyne Ho \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Janelyne Ho \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Janelyne Ho \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300428 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Sean Walker \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Sean Walker \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Elise Walker \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Elise Walker \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Elise Walker \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300358 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | Yes | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kenneth Daron \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Kenneth Daron \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Kenneth Daron \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Martin Lodge \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Martin Lodge \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Martin Lodge \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Martin Lodge \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Martin Lodge \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Martin Lodge \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300392 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Richard Camerota \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Richard Camerota \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Richard Camerota \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Richard Camerota \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Lindsey Camerota \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Lindsey Camerota \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Lindsey Camerota \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Lindsey Camerota \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300427 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Matthew Roberts \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Matthew Roberts \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Matthew Roberts \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Matthew Roberts \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Stephen Roberts \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Short Form | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300318 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - Sherlynne Overby \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - Sherlynne Overby \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - Sherlynne Overby \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Sherlynne Overby \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - Sherlynne Overby \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Sherlynne Overby \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Sherlynne Overby \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Sherlynne Overby \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - Sherlynne Overby \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Sherlynne Overby \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - Sherlynne Overby \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300276 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - David Oh \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - David Oh \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - David Oh \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - David Oh \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - David Oh \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Lauren Oh \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - Lauren Oh \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - Lauren Oh \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Lauren Oh \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Lauren Oh \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Lauren Oh \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300261 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Beatrice Novembre \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Beatrice Novembre \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Beatrice Novembre \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Beatrice Novembre \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Beatrice Novembre \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Beatrice Novembre \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300280 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - William Sanders \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - William Sanders \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - William Sanders \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - William Sanders \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - William Sanders \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - William Sanders \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - William Sanders \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.5 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300300 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - Jesse Unkenholz \| Primary Income - K-1 (< 25%)]; P&L Statement - 2022<br> [Borrower - Jesse Unkenholz \| Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Borrower - Jesse Unkenholz \| Primary Income - K-1 (< 25%)]; P&L Statement - 2021<br> [Borrower - Jesse Unkenholz \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - Jesse Unkenholz \| Primary Income - K-1 (< 25%)]; W-2 - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.9 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300824 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Michael Deter \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Michael Deter \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Michael Deter \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Michael Deter \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300229 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Steven Beard \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Steven Beard \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Steven Beard \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Steven Beard \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300284 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kevin Eble \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Kevin Eble \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Kevin Eble \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Kevin Eble \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Kevin Eble \| Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2022<br> [Borrower - Kevin Eble \| Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2022<br> [Borrower - Kevin Eble \| Non-Primary Income - Foster Care]; Deposit Receipt - 2022<br> [Borrower - Kevin Eble \| Non-Primary Income - Pension]; Paystubs - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300267 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Timothy Seats \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Timothy Seats \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Timothy Seats \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - Timothy Seats \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300233 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kimberly Thomason \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Kimberly Thomason \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Kimberly Thomason \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Kimberly Thomason \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Kimberly Thomason \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Daniel Thomason \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Daniel Thomason \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Daniel Thomason \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Daniel Thomason \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Daniel Thomason \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.2 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300388 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Tyler Dill \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Tyler Dill \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Tyler Dill \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Tyler Dill \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Tyler Dill \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Tyler Dill \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - Anna Dill \| Primary Income - K-1 (< 25%)]; Paystubs - 2022<br> [Coborrower(s) - Anna Dill \| Primary Income - K-1 (< 25%)]; WVOE - 2022<br> [Coborrower(s) - Anna Dill \| Primary Income - K-1 (< 25%)]; Paystubs - 2021<br> [Coborrower(s) - Anna Dill \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Coborrower(s) - Anna Dill \| Primary Income - K-1 (< 25%)]; Partnership Agreement - 2020<br> [Coborrower(s) - Anna Dill \| Primary Income - K-1 (< 25%)]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300270 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Matthew Dibiase \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Matthew Dibiase \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Matthew Dibiase \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Matthew Dibiase \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300274 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jaroslaw Papla \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jaroslaw Papla \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jaroslaw Papla \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Jaroslaw Papla \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jaroslaw Papla \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Beata Papla \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Beata Papla \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Beata Papla \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Beata Papla \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Beata Papla \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 2 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300256 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Eric Broberg \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Eric Broberg \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Eric Broberg \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Eric Broberg \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Eric Broberg \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Eric Broberg \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.3 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300232 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Yaroslav Karpina \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - Tamara Karpina \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Tamara Karpina \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Tamara Karpina \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Tamara Karpina \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Tamara Karpina \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Tamara Karpina \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Tamara Karpina \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Tamara Karpina \| Non-Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Tamara Karpina \| Non-Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Tamara Karpina \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | Yes | No | XXXX | 0 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300251 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - Steven Barrick \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - Steven Barrick \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - Steven Barrick \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - Steven Barrick \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300234 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Todd Doran \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Todd Doran \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Todd Doran \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Todd Doran \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Todd Doran \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Todd Doran \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Todd Doran \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.9 | LP / LPA |  | Accept | N/A | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300228 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Nirmal Khanderia \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - Nirmal Khanderia \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Nirmal Khanderia \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2012<br> [Borrower - Nirmal Khanderia \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - Nirmal Khanderia \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2012<br> [Borrower - Nirmal Khanderia \| Primary Income - K-1 (< 25%)]; CPA Letter - 2022<br> [Borrower - Nirmal Khanderia \| Primary Income - K-1 (< 25%)]; CPA Letter - 2022<br> [Borrower - Nirmal Khanderia \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Borrower - Nirmal Khanderia \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Borrower - Nirmal Khanderia \| Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Borrower - Nirmal Khanderia \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - Nirmal Khanderia \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - Nirmal Khanderia \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Nirmal Khanderia \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - Nirmal Khanderia \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - Nirmal Khanderia \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Nirmal Khanderia \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.1 | LP / LPA |  | Accept | No | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300825 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Plinia Rosembarque Dos Santos \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Plinia Rosembarque Dos Santos \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Plinia Rosembarque Dos Santos \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Plinia Rosembarque Dos Santos \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Plinia Rosembarque Dos Santos \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Plinia Rosembarque Dos Santos \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Plinia Rosembarque Dos Santos \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300254 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Resheal Mannan \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Resheal Mannan \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Resheal Mannan \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Resheal Mannan \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.4 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300260 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Daniel Berkich \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Daniel Berkich \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Daniel Berkich \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.4 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300224 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Nikolay Romanov \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Nikolay Romanov \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Nikolay Romanov \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Nikolay Romanov \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300231 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Angad Maroke \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Angad Maroke \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Angad Maroke \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Angad Maroke \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Angad Maroke \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Denise Maroke \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Denise Maroke \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Denise Maroke \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Denise Maroke \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300249 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Irina Seals \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Irina Seals \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Irina Seals \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | Yes | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300561 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Patrick McDermott \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Patrick McDermott \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Patrick McDermott \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Patrick McDermott \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Patrick McDermott \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Patrick McDermott \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Patrick McDermott \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Tara McDermott \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Tara McDermott \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Tara McDermott \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Tara McDermott \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Tara McDermott \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Tara McDermott \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Tara McDermott \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 | 3 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300283 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Alexis Alvarez \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Alexis Alvarez \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Alexis Alvarez \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Alexis Alvarez \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - Paula Perez \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Paula Perez \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Paula Perez \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Paula Perez \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Paula Perez \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Paula Perez \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300292 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jacqueline Hofer \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Jacqueline Hofer \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jacqueline Hofer \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jacqueline Hofer \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jacqueline Hofer \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Jacqueline Hofer \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300291 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Joseph DePasquale \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Joseph DePasquale \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Joseph DePasquale \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Joseph DePasquale \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Joseph DePasquale \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Joseph DePasquale \| Non-Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300265 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Non-Permanent Resident Alien | Permanent Resident Alien |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Federica Reggiani \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - Federica Reggiani \| Primary Income - C-Corp]; 1120 - 2021<br> [Borrower - Federica Reggiani \| Primary Income - C-Corp]; 4506-C (for Business) - 2021<br> [Borrower - Federica Reggiani \| Primary Income - C-Corp]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Passport | VISA |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300241 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Henry Smith \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Henry Smith \| Primary Income - Wages]; Other - 2022<br> [Borrower - Henry Smith \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Henry Smith \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Henry Smith \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Henry Smith \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Henry Smith \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Henry Smith \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Henry Smith \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Suyon Smith \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Suyon Smith \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Suyon Smith \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Suyon Smith \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Suyon Smith \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300298 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - Philip Austin \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Philip Austin \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Philip Austin \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Philip Austin \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Philip Austin \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Philip Austin \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300290 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Marvin Derrick \| Primary Income - Wages]; Other - 2022<br> [Borrower - Marvin Derrick \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Marvin Derrick \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Marvin Derrick \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Marvin Derrick \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Marvin Derrick \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300277 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ali Salehezadeh \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Ali Salehezadeh \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Ali Salehezadeh \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Tania Santamaria \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Tania Santamaria \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Tania Santamaria \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300384 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Deriek Charles \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Deriek Charles \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Deriek Charles \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Deriek Charles \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Deriek Charles \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Deriek Charles \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300306 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jacklynn Wilson \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jacklynn Wilson \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jacklynn Wilson \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Jacklynn Wilson \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jacklynn Wilson \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300440 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kenneth Berrong \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Kenneth Berrong \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Kenneth Berrong \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Kenneth Berrong \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Kenneth Berrong \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - No Results Returned - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300293 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Michael Elefante \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - Michael Elefante \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - Michael Elefante \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Michael Elefante \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Michael Elefante \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300239 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Christopher Holstrom \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - Christopher Holstrom \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Christopher Holstrom \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Christopher Holstrom \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300246 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Andrea Surprenant \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Andrea Surprenant \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Andrea Surprenant \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Andrea Surprenant \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Andrea Surprenant \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Andrea Surprenant \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.9 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300263 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jonathan Sunio \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jonathan Sunio \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jonathan Sunio \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Jonathan Sunio \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Jonathan Sunio \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Anna Ines \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Anna Ines \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Anna Ines \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Anna Ines \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Anna Ines \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Anna Ines \| Non-Primary Income - Child Support]; Account Statements - 2022<br> [Coborrower(s) - Anna Ines \| Non-Primary Income - Child Support]; Divorce Decree - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300236 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX |  | XXXX |  | Permanent Resident Alien | Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - Prashanti Shrestha \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Prashanti Shrestha \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Prashanti Shrestha \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Prashanti Shrestha \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Prashanti Shrestha \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Bijay Shrestha \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Bijay Shrestha \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Bijay Shrestha \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Bijay Shrestha \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Bijay Shrestha \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Sunil Gurung \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Sunil Gurung \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Sunil Gurung \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Sunil Gurung \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Sunil Gurung \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 | 3 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | 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 | FICO Risk Score Classic 04 |  |  | Resident Alien Card | Resident Alien Card | Resident Alien Card |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300279 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Pedro Perez \| Primary Income - C-Corp]; Business License - 2022<br> [Borrower - Pedro Perez \| Primary Income - C-Corp]; Other - 2022<br> [Borrower - Pedro Perez \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - Pedro Perez \| Primary Income - C-Corp]; 1120 - 2021<br> [Borrower - Pedro Perez \| Primary Income - C-Corp]; 4506-C (for Business) - 2021<br> [Borrower - Pedro Perez \| Primary Income - C-Corp]; W-2 - 2021<br> [Coborrower(s) - Jacqueline Senra \| Primary Income - C-Corp]; Other - 2022<br> [Coborrower(s) - Jacqueline Senra \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Coborrower(s) - Jacqueline Senra \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Coborrower(s) - Jacqueline Senra \| Primary Income - C-Corp]; 1120 - 2021<br> [Coborrower(s) - Jacqueline Senra \| Primary Income - C-Corp]; 4506-C (for Business) - 2021<br> [Coborrower(s) - Jacqueline Senra \| Primary Income - C-Corp]; W-2 - 2021<br> [Coborrower(s) - Jacqueline Senra \| Non-Primary Income - C-Corp]; Other - 2022<br> [Coborrower(s) - Jacqueline Senra \| Non-Primary Income - C-Corp]; Third Party Verification - 2022<br> [Coborrower(s) - Jacqueline Senra \| Non-Primary Income - C-Corp]; Third Party Verification - 2022<br> [Coborrower(s) - Jacqueline Senra \| Non-Primary Income - C-Corp]; 1120 - 2021<br> [Coborrower(s) - Jacqueline Senra \| Non-Primary Income - C-Corp]; 4506-C (for Business) - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.5 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300218 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Justin White \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Justin White \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Justin White \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Justin White \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Justin White \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.7 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300248 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Aaron Tallo \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Aaron Tallo \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Aaron Tallo \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Aaron Tallo \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Anna Tallo \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - Anna Tallo \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Anna Tallo \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Anna Tallo \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Anna Tallo \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300211 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - David Small \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - David Small \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - David Small \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - David Small \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - David Small \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - David Small \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Pauline Self \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Pauline Self \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Pauline Self \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Pauline Self \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Pauline Self \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300252 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Lawrence Freie \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Lawrence Freie \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Lawrence Freie \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Lawrence Freie \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Lawrence Freie \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Lawrence Freie \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300214 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Heather Coakley \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Heather Coakley \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Heather Coakley \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Heather Coakley \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Heather Coakley \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Heather Coakley \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Heather Coakley \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Heather Coakley \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Heather Coakley \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - Heather Coakley \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300834 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX |  | XXXX |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - Judith Cline \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Borrower - Judith Cline \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Borrower - Judith Cline \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - James Cline \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - James Cline \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - James Cline \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - James Cline \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Nancy Cline \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Nancy Cline \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Nancy Cline \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Nancy Cline \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Nancy Cline \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300244 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ralph Harris \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Ralph Harris \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Ralph Harris \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Ralph Harris \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A |  | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300242 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Adrienne Rabena \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - Adrienne Rabena \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Adrienne Rabena \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Adrienne Rabena \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Adrienne Rabena \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - Adrienne Rabena \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - Eric Rabena \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - Eric Rabena \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - Eric Rabena \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - Eric Rabena \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - Eric Rabena \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300206 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Olanrewaju Oshiyoye \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Olanrewaju Oshiyoye \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Olanrewaju Oshiyoye \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Olanrewaju Oshiyoye \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Olanrewaju Oshiyoye \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - Olanrewaju Oshiyoye \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300221 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Patrick Gordy \| Primary Income - Wages]; Other - 2022<br> [Borrower - Patrick Gordy \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Patrick Gordy \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Patrick Gordy \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Patrick Gordy \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Laura Gordy \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - Laura Gordy \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Laura Gordy \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Laura Gordy \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Laura Gordy \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Laura Gordy \| Non-Primary Income - Other]; Paystubs - 2022<br> [Coborrower(s) - Laura Gordy \| Non-Primary Income - Other]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300226 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Richa Mishra \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Richa Mishra \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Richa Mishra \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Richa Mishra \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Tanmay Misra \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Tanmay Misra \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Tanmay Misra \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Tanmay Misra \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300245 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Daniel Badraun \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Daniel Badraun \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Daniel Badraun \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Daniel Badraun \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300238 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Paul Ternes \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Paul Ternes \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Paul Ternes \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Paul Ternes \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Laura Ternes \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Laura Ternes \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Laura Ternes \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Laura Ternes \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300255 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Cabe Chadick \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Cabe Chadick \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Cabe Chadick \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Cabe Chadick \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300237 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jacob Gurley \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Jacob Gurley \| Primary Income - Wages]; Other - 2022<br> [Borrower - Jacob Gurley \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jacob Gurley \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jacob Gurley \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Jacob Gurley \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jacob Gurley \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300272 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Lan Pham \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Lan Pham \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Lan Pham \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - Lan Pham \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - Lan Pham \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - Lan Pham \| Non-Primary Income - IRA Distribution]; Account Statements - 2021<br> [Borrower - Lan Pham \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - Lan Pham \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - Nga Do \| Primary Income - Social Security]; Account Statements - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300247 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jonathan Seyfert \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jonathan Seyfert \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jonathan Seyfert \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Jonathan Seyfert \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300199 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Tarek Kassem \| Primary Income - Wages]; Other - 2022<br> [Borrower - Tarek Kassem \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Tarek Kassem \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Tarek Kassem \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Tarek Kassem \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Tarek Kassem \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Tarek Kassem \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Tarek Kassem \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Tarek Kassem \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - Tarek Kassem \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Tarek Kassem \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Tarek Kassem \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - Tarek Kassem \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300250 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Alexandra Maria Saavedra Villasmil \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Alexandra Maria Saavedra Villasmil \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Alexandra Maria Saavedra Villasmil \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.4 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300219 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Joshua Craddock \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Joshua Craddock \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Joshua Craddock \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Joshua Craddock \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300201 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Eshagh Yazdanshenas \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Eshagh Yazdanshenas \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Eshagh Yazdanshenas \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Mona Mirzaei \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Mona Mirzaei \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Mona Mirzaei \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Mona Mirzaei \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Mona Mirzaei \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300259 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Roman Gabay \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Roman Gabay \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - Roman Gabay \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Roman Gabay \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Roman Gabay \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Roman Gabay \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - Roman Gabay \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Roman Gabay \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300203 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Theresa Kenyon \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Theresa Kenyon \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - Theresa Kenyon \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Theresa Kenyon \| Primary Income - Partnership (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300205 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - David Holland \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - David Holland \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - David Holland \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - David Holland \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - David Holland \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - David Holland \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - David Holland \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Jennifer Roman \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jennifer Roman \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Jennifer Roman \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Jennifer Roman \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Jennifer Roman \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300196 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | Non-Permanent Resident Alien |  |  |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Gabriel Matos \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - Gabriel Matos \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Gabriel Matos \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Gabriel Matos \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Gabriel Matos \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - Driana Matos \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - Driana Matos \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - Driana Matos \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - Driana Matos \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - Driana Matos \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.9 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300217 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Rone Pereira \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Rone Pereira \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Rone Pereira \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Rone Pereira \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Rone Pereira \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Rone Pereira \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300213 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - John Hall \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - John Hall \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - John Hall \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - John Hall \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - John Hall \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - John Hall \| Primary Income - Wages]; Paystubs - 2016 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300240 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Chad Biagini \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Chad Biagini \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Chad Biagini \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Chad Biagini \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Chad Biagini \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Chad Biagini \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300210 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Lucas Orth \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Lucas Orth \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Lucas Orth \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Lucas Orth \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Lucas Orth \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Samantha Orth \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Samantha Orth \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Samantha Orth \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300197 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Sherri Anderson \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Sherri Anderson \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Sherri Anderson \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Sherri Anderson \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Sherri Anderson \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Sherri Anderson \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Aaron Anderson \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Aaron Anderson \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Aaron Anderson \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Aaron Anderson \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 1 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300194 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Marc Snelling \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Marc Snelling \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Marc Snelling \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Marc Snelling \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Janet Snelling \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Janet Snelling \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Janet Snelling \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Janet Snelling \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Janet Snelling \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Janet Snelling \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Janet Snelling \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300195 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - JaeHee Cho \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - JaeHee Cho \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - JaeHee Cho \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Leigh Urbschat \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - Leigh Urbschat \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Leigh Urbschat \| Primary Income - Wages]; The Work Number - Employment Only - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300243 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - Richard Berg \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Richard Berg \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Richard Berg \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Richard Berg \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Richard Berg \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Richard Berg \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300207 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | Yes | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Christine Poklemba \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - Christine Poklemba \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Christine Poklemba \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - Christine Poklemba \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Coborrower(s) - Veronica Poklemba \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - Veronica Poklemba \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - Veronica Poklemba \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2011<br> [Coborrower(s) - Veronica Poklemba \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.9 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300212 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Larry Lassiter \| Primary Income - Wages]; Other - 2022<br> [Borrower - Larry Lassiter \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Larry Lassiter \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Larry Lassiter \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Larry Lassiter \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - Larry Lassiter \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Larry Lassiter \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300215 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Mohan Thorat \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Mohan Thorat \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Mohan Thorat \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Mohan Thorat \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Mohan Thorat \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Mohan Thorat \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300200 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Uchenna Nweze \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Uchenna Nweze \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Uchenna Nweze \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Uchenna Nweze \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Uchenna Nweze \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Uchenna Nweze \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300198 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Teresa Watts \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Teresa Watts \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Teresa Watts \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Teresa Watts \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Teresa Watts \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Teresa Watts \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300756 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - James Garrett \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - James Garrett \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - James Garrett \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.2 | LP / LPA |  | Accept | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300749 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Arnett Griffin \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Arnett Griffin \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300755 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jakob Cramer \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jakob Cramer \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Jakob Cramer \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - Alexis Cramer \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Alexis Cramer \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Alexis Cramer \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - Alexis Cramer \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.1 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300762 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Thuraya Gharrawi \| Primary Income - Wages]; Other - 2022<br> [Borrower - Thuraya Gharrawi \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Thuraya Gharrawi \| Primary Income - Wages]; Other - 2021<br> [Borrower - Thuraya Gharrawi \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Thuraya Gharrawi \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Thuraya Gharrawi \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Thuraya Gharrawi \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300746 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - George Papaheraklis \| Primary Income - C-Corp]; Account Statements - Business - 2021<br> [Borrower - George Papaheraklis \| Primary Income - C-Corp]; CPA Letter - 2021<br> [Borrower - George Papaheraklis \| Primary Income - C-Corp]; Other - 2021<br> [Borrower - George Papaheraklis \| Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - George Papaheraklis \| Primary Income - C-Corp]; Paystubs - 2021<br> [Borrower - George Papaheraklis \| Primary Income - C-Corp]; Third Party Verification - 2021<br> [Borrower - George Papaheraklis \| Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - George Papaheraklis \| Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - George Papaheraklis \| Primary Income - C-Corp]; W-2 - 2020<br> [Borrower - George Papaheraklis \| Primary Income - C-Corp]; W-2 - 2019<br> [Borrower - George Papaheraklis \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - Dagmar Papaheraklis \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Dagmar Papaheraklis \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - Dagmar Papaheraklis \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Dagmar Papaheraklis \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.3 | DU |  | ApproveEligible | N/A |  | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300741 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Cristina Luz \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Cristina Luz \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Cristina Luz \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - Cristina Luz \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Cristina Luz \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.9 | LP / LPA |  | Accept | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300737 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | Yes | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Carol Crossley \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - John Garner \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - John Garner \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - John Garner \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - John Garner \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - John Garner \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300750 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - Inna Petrosova \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - Inna Petrosova \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - Inna Petrosova \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Inna Petrosova \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Inna Petrosova \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Inna Petrosova \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - Inna Petrosova \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - Inna Petrosova \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - Inna Petrosova \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | DU |  | ApproveEligible | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Other | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300729 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Sheri Sanders \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Sheri Sanders \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - Sheri Sanders \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - Sheri Sanders \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Michael Sanders \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Michael Sanders \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Michael Sanders \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Michael Sanders \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - Michael Sanders \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Michael Sanders \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Michael Sanders \| Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300734 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - Joseph Ayoub \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - Joseph Ayoub \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - Joseph Ayoub \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.3 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Next Generation | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300758 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Brennon Weber \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Brennon Weber \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Brennon Weber \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Brennon Weber \| Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 4 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 Advanced | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300748 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Sean Woods \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Sean Woods \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Sean Woods \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Sean Woods \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - Sean Woods \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Sean Woods \| Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300743 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Stacey Sexton \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Stacey Sexton \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Stacey Sexton \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Stacey Sexton \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Stacey Sexton \| Non-Primary Income - Social Security]; Account Statements - 2021<br> [Borrower - Stacey Sexton \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300742 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Heather Brown \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Heather Brown \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Heather Brown \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Leonard Brown \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Leonard Brown \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Leonard Brown \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Leonard Brown \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Leonard Brown \| Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.9 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300766 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ariel Morales \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Ariel Morales \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - Ariel Morales \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Ariel Morales \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300765 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ana Vidal \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Ana Vidal \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Ana Vidal \| Primary Income - Wages]; VVOE - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.8 | LP / LPA |  | Accept | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300740 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX |  | XXXX |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - Jonelle Alvarez \| Primary Income - Social Security]; Account Statements - 2021<br> [Coborrower(s) - Taylor Alvarez \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Taylor Alvarez \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Taylor Alvarez \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.7 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300767 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Bianca Toledo \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Bianca Toledo \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Bianca Toledo \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Bianca Toledo \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.1 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300753 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Martins Eboh \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - Martins Eboh \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - Martins Eboh \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - Martins Eboh \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - Martins Eboh \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - Martins Eboh \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - Frances Ebisike-Eboh \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - Frances Ebisike-Eboh \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 0 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300761 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Areli Baires \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Areli Baires \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Areli Baires \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300772 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Nikko Sanchez \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Nikko Sanchez \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Nikko Sanchez \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300776 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - Skyler Bentley \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Skyler Bentley \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Skyler Bentley \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Skyler Bentley \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300773 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Uriel Lesser \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Uriel Lesser \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Uriel Lesser \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Uriel Lesser \| Primary Income - Wages]; Other - 2020<br> [Borrower - Uriel Lesser \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Uriel Lesser \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - Uriel Lesser \| Non-Primary Income - Wages]; Other - 2021<br> [Coborrower(s) - Erica Lesser \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Erica Lesser \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Erica Lesser \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.8 | LP / LPA |  | Accept | N/A | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300774 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Caroline Smith \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Caroline Smith \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Caroline Smith \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Caroline Smith \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300779 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Alexander Wise \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Alexander Wise \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Alexander Wise \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Alexander Wise \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Alexander Wise \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.4 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300778 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Carl Mixon \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Carl Mixon \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Carl Mixon \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Carl Mixon \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Katarzyna Mixon \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Katarzyna Mixon \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.3 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300780 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Katherine Mackenzie \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Katherine Mackenzie \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Katherine Mackenzie \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Katherine Mackenzie \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Timothy Sapienza \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - Timothy Sapienza \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - Timothy Sapienza \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - Timothy Sapienza \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Timothy Sapienza \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Timothy Sapienza \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Timothy Sapienza \| Primary Income - Wages]; Employer Letter - 2021<br> [Coborrower(s) - Timothy Sapienza \| Primary Income - Wages]; Employer Letter - 2021<br> [Coborrower(s) - Timothy Sapienza \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300820 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jeanette Mercer \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jeanette Mercer \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jeanette Mercer \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Jeanette Mercer \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jeanette Mercer \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jeanette Mercer \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Jeanette Mercer \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - Aaron Mercer \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Aaron Mercer \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Aaron Mercer \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Aaron Mercer \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Aaron Mercer \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Aaron Mercer \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Aaron Mercer \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 3 | 3 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300849 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Austin Wilkerson \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Austin Wilkerson \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Austin Wilkerson \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Nicole Deveraux \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - Nicole Deveraux \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Nicole Deveraux \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Nicole Deveraux \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Nicole Deveraux \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Nicole Deveraux \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Nicole Deveraux \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300833 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Dominic Yono \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Dominic Yono \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - Dominic Yono \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Dominic Yono \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Dominic Yono \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Dominic Yono \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - Dominic Yono \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Dominic Yono \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Dominic Yono \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Dominic Yono \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Dominic Yono \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - Dominic Yono \| Non-Primary Income - S-Corp (>= 25%)]; 1040-ES - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300854 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Eliza Vo \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Eliza Vo \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Eliza Vo \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - Eliza Vo \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Eliza Vo \| Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - Eliza Vo \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - Eliza Vo \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Eliza Vo \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - Dinh Vo \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - Dinh Vo \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - Dinh Vo \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Coborrower(s) - Dinh Vo \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - Dinh Vo \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - Dinh Vo \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - Dinh Vo \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - Dinh Vo \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - Dinh Vo \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Dinh Vo \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Dinh Vo \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 2 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300852 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Wesley McMackin \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Wesley McMackin \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Wesley McMackin \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Wesley McMackin \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Wesley McMackin \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Wesley McMackin \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - Wesley McMackin \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - Wesley McMackin \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - Wesley McMackin \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - Wesley McMackin \| Non-Primary Income - Pension]; Account Statements - 2022<br> [Borrower - Wesley McMackin \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Borrower - Wesley McMackin \| Non-Primary Income - Pension]; Paystubs - 2022<br> [Coborrower(s) - Vanessa McMackin \| Primary Income - Pension]; Account Statements - 2022<br> [Coborrower(s) - Vanessa McMackin \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - Vanessa McMackin \| Primary Income - Pension]; Paystubs - 2022<br> [Coborrower(s) - Vanessa McMackin \| Non-Primary Income - VA Service Related Disability]; Other - 2022<br> [Coborrower(s) - Vanessa McMackin \| Non-Primary Income - VA Service Related Disability]; Other - 2022<br> [Coborrower(s) - Vanessa McMackin \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300898 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Steven Feldman \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Steven Feldman \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Steven Feldman \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Steven Feldman \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Steven Feldman \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Laura Vaughn \| Primary Income - Disability]; Other - 2022<br> [Coborrower(s) - Laura Vaughn \| Primary Income - Disability]; Other - 2022<br> [Coborrower(s) - Laura Vaughn \| Primary Income - Disability]; Other - 2022<br> [Coborrower(s) - Laura Vaughn \| Primary Income - Disability]; 1099 - 2021<br> [Coborrower(s) - Laura Vaughn \| Primary Income - Disability]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - Laura Vaughn \| Primary Income - Disability]; W-2 - 2020<br> [Coborrower(s) - Laura Vaughn \| Primary Income - Disability]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 3.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300868 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kyle Mizuta \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Kyle Mizuta \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Kyle Mizuta \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Kyle Mizuta \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Kyle Mizuta \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Kyle Mizuta \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.1 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300857 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | Yes | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Maria Raya \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Maria Raya \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Maria Raya \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Maria Raya \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Maria Raya \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Rita Vargas \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Rita Vargas \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Rita Vargas \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Rita Vargas \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Rita Vargas \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300862 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jessica Smith \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - Jessica Smith \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - Brandon Smith \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Brandon Smith \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Brandon Smith \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Brandon Smith \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300884 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jose Amarfil \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jose Amarfil \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jose Amarfil \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jose Amarfil \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jose Amarfil \| Primary Income - Wages]; Other - 2021<br> [Borrower - Jose Amarfil \| Primary Income - Wages]; Other - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 4.7 | DU |  | ApproveEligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300792 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Michael Fonseca \| Primary Income - Sole Proprietor]; CPA Letter - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.2 | LP / LPA |  | Accept | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300859 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Fahad Qureshi \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Fahad Qureshi \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Fahad Qureshi \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Fahad Qureshi \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Fahad Qureshi \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - Fahad Qureshi \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Fahad Qureshi \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Fahad Qureshi \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - Fahad Qureshi \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - Fahad Qureshi \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Fahad Qureshi \| Non-Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Nabeela Qureshi \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Nabeela Qureshi \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Nabeela Qureshi \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Nabeela Qureshi \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Nabeela Qureshi \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300865 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Marlon Risch \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Marlon Risch \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Marlon Risch \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Marlon Risch \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Marlon Risch \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Marlon Risch \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300827 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Spencer Rediker \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Spencer Rediker \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Spencer Rediker \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.1 | LP / LPA |  | Accept | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300882 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Juan Rosado \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Juan Rosado \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Juan Rosado \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Juan Rosado \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Juan Rosado \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Juan Rosado \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Juan Rosado \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Juan Rosado \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 5.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300899 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Luke Robare \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Luke Robare \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Luke Robare \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Luke Robare \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Gabrielle Robare \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Gabrielle Robare \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300855 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Matthew Yanez \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Matthew Yanez \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Matthew Yanez \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Matthew Yanez \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Matthew Yanez \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Matthew Yanez \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Matthew Yanez \| Non-Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Matthew Yanez \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Matthew Yanez \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Matthew Yanez \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Matthew Yanez \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Matthew Yanez \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Matthew Yanez \| Non-Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300856 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Michele Beatty \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Michele Beatty \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Michele Beatty \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Michele Beatty \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; Account Statements - Personal - 2022<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - Robert Beatty \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Coborrower(s) - Robert Beatty \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - Robert Beatty \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - Robert Beatty \| Non-Primary Income - Social Security]; 1099-SSA - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300901 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Peter Nguyen \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Peter Nguyen \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300826 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Thomas Link \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Thomas Link \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Thomas Link \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Thomas Link \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Thomas Link \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300787 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Pamela Bishop \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Pamela Bishop \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Pamela Bishop \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Pamela Bishop \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Pamela Bishop \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Eddie Fields \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Eddie Fields \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Eddie Fields \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Eddie Fields \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Eddie Fields \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300894 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Renee Inouye \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Renee Inouye \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Renee Inouye \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Renee Inouye \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Renee Inouye \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Timothy Battleson \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Coborrower(s) - Timothy Battleson \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 2.4 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300889 | XXXX |  | XXXX |  |  | XXXX | Yes | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Francisco Monroy \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Francisco Monroy \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Francisco Monroy \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Francisco Monroy \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Francisco Monroy \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Marcela Flores \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - Marcela Flores \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - Marcela Flores \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - Marcela Flores \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 0 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300875 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Michael Strong \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Michael Strong \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Michael Strong \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Michael Strong \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Michael Strong \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Michael Strong \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Michael Strong \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Michael Strong \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300830 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | Yes | XXXX | XXXX | XXXX |  | XXXX |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - Abigail Houck \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - Will Jaffe \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - Toni Lichstein \| Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Coborrower(s) - Toni Lichstein \| Primary Income - K-1 (< 25%)]; Other - 2021<br> [Coborrower(s) - Toni Lichstein \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Coborrower(s) - Toni Lichstein \| Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Coborrower(s) - Toni Lichstein \| Non-Primary Income - Pension]; 1099-R - 2021<br> [Coborrower(s) - Toni Lichstein \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300861 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Wade Kellems \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Wade Kellems \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Wade Kellems \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Wade Kellems \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Wade Kellems \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Wade Kellems \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Wade Kellems \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - Wade Kellems \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300831 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Cleveland Ferguson \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Cleveland Ferguson \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Cleveland Ferguson \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Jacquelyn Ferguson \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jacquelyn Ferguson \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Jacquelyn Ferguson \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Jacquelyn Ferguson \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Jacquelyn Ferguson \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300847 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Dale McLaughlin \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Dale McLaughlin \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Dale McLaughlin \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Dale McLaughlin \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Dale McLaughlin \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Ashley Vanderkolk \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Ashley Vanderkolk \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Ashley Vanderkolk \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Ashley Vanderkolk \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 3.3 | LP / LPA |  | Accept | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300886 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Mariia Goncharenko \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Mariia Goncharenko \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Mariia Goncharenko \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Mariia Goncharenko \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Kevin Wistehuff \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Kevin Wistehuff \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Kevin Wistehuff \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300864 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jeff Leas \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - Jeff Leas \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - Jeff Leas \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Jeff Leas \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Jeff Leas \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Jeff Leas \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - Jeff Leas \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Jeff Leas \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300887 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Samuel McGarey \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Samuel McGarey \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Samuel McGarey \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Samuel McGarey \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Samuel McGarey \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Samuel McGarey \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300872 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Tomas Fulgentes \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Tomas Fulgentes \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - Tomas Fulgentes \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Tomas Fulgentes \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Tomas Fulgentes \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Tomas Fulgentes \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - Tomas Fulgentes \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Tomas Fulgentes \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Tomas Fulgentes \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Tomas Fulgentes \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Tomas Fulgentes \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - Monica Fulgentes \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Monica Fulgentes \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Monica Fulgentes \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Monica Fulgentes \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Monica Fulgentes \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Monica Fulgentes \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300866 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Joseph Movsesian \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Joseph Movsesian \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Joseph Movsesian \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Joseph Movsesian \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Joseph Movsesian \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300828 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jonathan Wendt \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jonathan Wendt \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jonathan Wendt \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jonathan Wendt \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Jonathan Wendt \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Jessica Wendt \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jessica Wendt \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Jessica Wendt \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Jessica Wendt \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Jessica Wendt \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300867 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Thomas Rich \| Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - Thomas Rich \| Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - Thomas Rich \| Primary Income - Trust Income]; Deposit Receipt - 2022<br> [Borrower - Thomas Rich \| Primary Income - Trust Income]; Other - 2022<br> [Borrower - Thomas Rich \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - Thomas Rich \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Coborrower(s) - Jacquelyn Fogel \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300835 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kristena Hart \| Primary Income - Wages]; Other - 2022<br> [Borrower - Kristena Hart \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Kristena Hart \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Kristena Hart \| Primary Income - Wages]; Employer Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300863 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Brian Oney \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Brian Oney \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Brian Oney \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Brian Oney \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Stacey Oney \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Stacey Oney \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Stacey Oney \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 1 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300904 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX |  | XXXX |  | Non-Permanent Resident Alien | Permanent Resident Alien | Non-Permanent Resident Alien |  | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - Sukhpreet Josan \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Sukhpreet Josan \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Sukhpreet Josan \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Sukhpreet Josan \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Sukhpreet Josan \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Gurmeet Boparai \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Gurmeet Boparai \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Gurmeet Boparai \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Gurmeet Boparai \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Gurmeet Boparai \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Gurmeet Boparai \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Balwinder Josan \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Balwinder Josan \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Balwinder Josan \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Balwinder Josan \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Balwinder Josan \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - Balwinder Josan \| Non-Primary Income - Sole Proprietor]; 1040-ES - 2021<br> [Coborrower(s) - Balwinder Josan \| Non-Primary Income - Sole Proprietor]; 1040-ES - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | 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 | FICO Risk Score Classic 04 |  |  | Resident Alien Card | Resident Alien Card | Resident Alien Card |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300781 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jenner Kramer \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jenner Kramer \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Jenner Kramer \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jenner Kramer \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Jenner Kramer \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jenner Kramer \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Jenner Kramer \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Jenner Kramer \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 2.6 | LP / LPA |  | Accept | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300912 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Michael Johnson \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Michael Johnson \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Michael Johnson \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Michael Johnson \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Michael Johnson \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Michael Johnson \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Michael Johnson \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Michael Johnson \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Michael Johnson \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Michael Johnson \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Michael Johnson \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Michael Johnson \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - Michael Johnson \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Michael Johnson \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Michael Johnson \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Michael Johnson \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Michael Johnson \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - Michael Johnson \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - Michael Johnson \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300924 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Gregory Baynes \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - Gregory Baynes \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Gregory Baynes \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Gregory Baynes \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Rachel Baynes \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Rachel Baynes \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Rachel Baynes \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300878 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Brian Thach \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Brian Thach \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Brian Thach \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Brian Thach \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Stephanie Herrera \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Stephanie Herrera \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Stephanie Herrera \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Stephanie Herrera \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Stephanie Herrera \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300850 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Shannon Houston \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Shannon Houston \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Shannon Houston \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Shannon Houston \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Shannon Houston \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Shannon Houston \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Shannon Houston \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300919 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - Racheal Dordeski \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 1 | 0 | 3 | 1 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300921 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Non-Permanent Resident Alien | US Citizen |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ai Truong \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ai Truong \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ai Truong \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Ai Truong \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Ai Truong \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Ai Truong \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Ai Truong \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - Rafael Lim \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Rafael Lim \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Rafael Lim \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Rafael Lim \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Rafael Lim \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Rafael Lim \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Rafael Lim \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Passport |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300922 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Brooklyn Reynolds \| Primary Income - Wages]; Other - 2022<br> [Borrower - Brooklyn Reynolds \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Brooklyn Reynolds \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Brooklyn Reynolds \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Brooklyn Reynolds \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Brooklyn Reynolds \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Kyle Rone \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - Kyle Rone \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Kyle Rone \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Kyle Rone \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - Kyle Rone \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Kyle Rone \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - Kyle Rone \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.7 | LP / LPA |  | Accept | N/A | No | XXXX | 1 | 2 | 1 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300853 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Cynthia Haydon \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - Jack Haydon \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - Jack Haydon \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - Jack Haydon \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - Jack Haydon \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - Jack Haydon \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - Jack Haydon \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - Jack Haydon \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - Jack Haydon \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - Jack Haydon \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - Jack Haydon \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - Jack Haydon \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Tax Return Extension - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300926 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Elizabeth Cappelletti \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Elizabeth Cappelletti \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Elizabeth Cappelletti \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Elizabeth Cappelletti \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Elizabeth Cappelletti \| Primary Income - Wages]; Year End Summary - 2022<br> [Borrower - Elizabeth Cappelletti \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Elizabeth Cappelletti \| Primary Income - Wages]; Year End Summary - 2021<br> [Borrower - Elizabeth Cappelletti \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Elizabeth Cappelletti \| Primary Income - Wages]; Year End Summary - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.8 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300846 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kimberlee Arrington \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Kimberlee Arrington \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Kimberlee Arrington \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Kimberlee Arrington \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - Kimberlee Arrington \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Kimberlee Arrington \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - Kimberlee Arrington \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Kimberlee Arrington \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - Kimberlee Arrington \| Non-Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Kimberlee Arrington \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300923 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ayyan Naisan \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ayyan Naisan \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Ayyan Naisan \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Ayyan Naisan \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Ayyan Naisan \| Primary Income - Wages]; Other - 2019<br> [Borrower - Ayyan Naisan \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Ayyan Naisan \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Ban Naisan \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Ban Naisan \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Ban Naisan \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Ban Naisan \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Ban Naisan \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300885 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - Jason Link \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - Lisa Link \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Lisa Link \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Lisa Link \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Lisa Link \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Lisa Link \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300883 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Renante Perez \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Renante Perez \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Renante Perez \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Renante Perez \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 2.7 | LP / LPA |  | Accept | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300920 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jacob Helton \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jacob Helton \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jacob Helton \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jacob Helton \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.9 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300908 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Brandon Shimabukuro \| Primary Income - Wages]; Other - 2022<br> [Borrower - Brandon Shimabukuro \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Brandon Shimabukuro \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Brandon Shimabukuro \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Brandon Shimabukuro \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Brandon Shimabukuro \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Sandra Shimabukuro \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Sandra Shimabukuro \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - Sandra Shimabukuro \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - Sandra Shimabukuro \| Primary Income - Wages]; Other - 2021<br> [Coborrower(s) - Sandra Shimabukuro \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Sandra Shimabukuro \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300917 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Kathleen Van \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Kathleen Van \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Kathleen Van \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Kathleen Van \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Kathleen Van \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - Christopher Thai \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - Christopher Thai \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - Christopher Thai \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - Christopher Thai \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300925 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Ali Rastegarpour \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ali Rastegarpour \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Ali Rastegarpour \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - Ali Rastegarpour \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - Ali Rastegarpour \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 4 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300915 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Jacob Pratt \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Jacob Pratt \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Jacob Pratt \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - Jacob Pratt \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - Jacob Pratt \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - Jacob Pratt \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - Jacob Pratt \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 112300910 | XXXX |  | XXXX |  |  | XXXX | Yes | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Baskara Reddy Ramachandra \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - Baskara Reddy Ramachandra \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - Baskara Reddy Ramachandra \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | XXXX | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

---

## Exhibit 99.9

![](logo_situs.jpg)

#### ASF

#### Run Date - 10/29/2025 10:42:57 AM

**---

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| Primary Servicer | Servicing Fee Percentage | Servicing Fee Flat Dollar | Servicing Advance Methodology | Originator | Loan Group | Loan Number | Amortization Type | Lien Position | Heloc Indicator | Loan Purpose | Cash Out Amount | Total Origination and Discount Points in Dollars | Covered High Cost Loan Indicator | Relocation Loan Indicator | Broker Indicator | Channel | Escrow Indicator | Senior Loan Amounts | Loan Type of Most Senior Lien | Hybrid Period of Most Senior Lien in Months | Neg Am Limit of Most Senior Lien | Junior Mortgage Balance | Origination Date of Most Senior Lien | Origination Date | Original Loan Amount | Original Interest Rate | Original Amortization Term | Original Term to Maturity | First Payment Date of Loan | Interest Type Indicator | Original Interest Only Term | Buy Down Period | HELOC Draw Period | Current Loan Amount | Current Interest Rate | Current Payment Amount Due | Interest Paid Through Date | Current Payment Status | Index Type | ARM Look Back Days | Gross Margin | ARM Round Flag | ARM Rounding Factor | Initial Fixed Rate Period | Initial Interest Rate Cap Change Up | Initial Interest Rate Cap Change Down | Subsequent Interest Rate Reset Period | Subsequent Interest Rate Change Down | Subsequent Interest Rate Change Up | Lifetime Maximum Rate Ceiling | Lifetime Minimum Rate Floor | Negative Amortization Limit | Initial Negative Amortization Recast Period | Subsequent Negative Amortization Recast Period | Initial Fixed Payment Period | Subsequent Payment Reset Period | Initial Periodic Payment Cap | Subsequent Periodic Payment Cap | Initial Minimum Payment Reset Period | Subsequent Minimum Payment Reset Period | Option ARM Indicator | Options at Recast | Initial Minimum Payment | Current Minimum Payment | Prepayment Penalty Calculation | Prepayment Penalty Type | Prepayment Penalty Total Term | Prepayment Penalty Hard Term | Primary Borrower ID | Number of Mortgaged Properties | Total Number of Borrowers | Self Employment Flag | Current Other Monthly Payment | Length of Employment Borrower | Length of Employment Co Borrower | Years in Home | FICO Model Used | Most Recent FICO Date | Primary Wage Earner Original FICO Equifax | Primary Wage Earner Original FICO Experian | Primary Wage Earner Original FICO Transunion | Secondary Wage Earner Original FICO Equifax | Secondary Wage Earner Original FICO Experian | Secondary Wage Earner Original FICO Transunion | Most Recent Primary Borrower FICO | Most Recent Co Borrower FICO | Most Recent FICO Method | Vantagescore Primary Borrower | Vantagescore Co Borrower | Most Recent Vantagescore Method | Vantagescore Date | Credit Report Longest Trade Line | Credit Report Maximum Trade Line | Credit Report Number of Trade Lines | Credit Line Usage Ratio | Most Recent 12 Month Pay History | Months Bankruptcy | Months Foreclosure | Primary Borrower Wage Income | Co Borrower Wage Income | Primary Borrower Other Income | Co Borrower Other Income | All Borrower Wage Income | All Borrower Total Income | 4506T/C Indicator | Borrower Income Verification Level | Co Borrower Income Verification Level | Borrower Employment Verification Level | Co Borrower Employment Verification Level | Borrower Asset Verification Level | Co Borrower Asset Verification Level | Liquid Cash Reserves | Monthly Debt All Borrowers | Originator DTI | Fully Indexed Rate | Qualification Method | Percentage of Down Payment From Borrower Own Funds | City | State | Postal Code | Property Type | Occupancy | Sales Price | Original Appraised Property Value | Original Property Valuation Type | Original Property Valuation Date | Original Automated Valuation Model AVM Model Name | Original AVM Confidence Score | Most Recent Property Value | Most Recent Property Valuation Type | Most Recent Property Valuation Date | Most Recent AVM Model Name | Most Recent AVM Confidence Score | Original CLTV | Original LTV | Original Pledged Assets | Mortgage Insurance Company Name | Mortgage Insurance Percent | MI Lender or Borrower Paid | Pool Insurance Co Name | Pool Insurance Stop Loss Percent | MI Certificate Number | Updated DTI Front End | Updated DTI Back End | Modification Effective Payment Date | Total Capitalized Amount | Total Deferred Amount | Pre Modification Interest Note Rate | Pre Modification P&I Payment | Pre Modification Initial Interest Rate Change Downward Cap | Pre Modification Subsequent Interest Rate Cap | Pre Modification Next Interest Rate Change Date | Pre Modification IO Term | Forgiven Principal Amount | Forgiven Interest Amount | Number of Modifications | Real Estate Interest | Community Ownership Structure | Year of Manufacture | HUD Code Compliance Indicator Y/N | Gross Manufacturers Invoice Price | LTI Loan to Invoice Gross | Net Manufacturers Invoice Price | LTI Net | Manufacturer Name | Model Name | Down Payment Source | Community Related Party Lender Y/N | Defined Underwriting Criteria Y/N | Chattel Indicator |
| 9999999 | 0.000000 |  | 99 | 1000324 | UNK | XXXX | 1 | XXXX | 0 | 6 | XXXX | XXXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 104 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1000324 | UNK | XXXX | 1 | XXXX | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 266 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  | XXXX | 9 | XXXX | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1000324 | UNK | XXXX | 1 | XXXX | 0 | 6 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 28 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 3 | 3 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1000324 | UNK | XXXX | 1 | XXXX | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 101 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1000324 | UNK | XXXX | 1 | XXXX | 0 | 6 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 187 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1014760 | UNK | XXXX | 1 | XXXX | 0 | 6 | XXXX | XXXX | 0 | 0 | 0 | 4 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 41 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1000324 | UNK | XXXX | 1 | XXXX | 0 | 6 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 44 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1014030 | UNK | XXXX | 1 | XXXX | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 4 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 135 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  | XXXX | 9 | XXXX | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1016189 | UNK | XXXX | 1 | XXXX | 0 | 6 | XXXX | XXXX | 0 | 0 | 0 | 4 | 0 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 249 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1000324 | UNK | XXXX | 1 | XXXX | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 198 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1000324 | UNK | XXXX | 1 | XXXX | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 183 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  | XXXX | 7 | XXXX | 21 | 0.080000 | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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| 9999999 | 0.000000 |  | 99 | 1000390 | UNK | XXXX | 1 | XXXX | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 2 | 2 | 1 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 114 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  | XXXX | 3 | XXXX | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1000390 | UNK | XXXX | 1 | XXXX | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 1 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 87 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  | XXXX | 9 | XXXX | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1000390 | UNK | XXXX | 1 | XXXX | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 181 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | 1 | 2 | XXXX | XXXX | 3 | XXXX | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1000390 | UNK | XXXX | 1 | XXXX | 0 | 4 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 338 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 1 | 1 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | 12 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1007191 | UNK | XXXX | 1 | XXXX | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 319 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  | XXXX | 3 | XXXX | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1007191 | UNK | XXXX | 1 | XXXX | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 519 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 2 | XXXX | XXXX | 3 | XXXX | 0 |  | XXXX | 9 | XXXX | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1007191 | UNK | XXXX | 1 | XXXX | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 31 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  | XXXX | 3 | XXXX | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1007191 | UNK | XXXX | 1 | XXXX | 0 | 6 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 38 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 1 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 13 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  | XXXX | 3 | XXXX | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1007191 | UNK | XXXX | 1 | XXXX | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 6 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 235 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  | XXXX | 9 | XXXX | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1007191 | UNK | XXXX | 1 | XXXX | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 400 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 2 | XXXX | XXXX | 3 | XXXX | 0 |  | XXXX | 9 | XXXX | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | 1007191 | UNK | XXXX | 1 | XXXX | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 133 | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  | XXXX | 3 | XXXX | 0 |  | XXXX | XXXX | XXXX | XXXX | 0.000000 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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![](logo_situs.jpg)

#### ASF Addendum - Business Purpose

#### Run Date - 10/29/2025 10:42:59 AM

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| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Seller Name | Originator Name | Guideline Author | Loan Program | Loan Program Date | Executed NOO Docs in File | Lease In Place Flag | Rental Purpose | Actual In Place Rent | Third Party Market Rent Estimate | Third Party Rent Source | Rental Income Used for Property DSCR Calculation | Rental Source for Property DTI Calculation | Calculated Monthly Debt | Property DTI | Investor DTI | Inverse DSCR | Net Operating Income | Total Debt Service | DSCR | Total DSCR | PITIA | Lease End Date | Original Lease Term | Lease in Place Flag Unit 1 | Lease Start Date Unit 1 | Lease End Date Unit 1 | Original Lease Term Unit 1 | Rental Purpose Unit 1 | Actual In Place Rent Unit 1 | Third Party Market Rent Estimate Unit 1 | Lease in Place Flag Unit 2 | Lease Start Date Unit 2 | Lease End Date Unit 2 | Original Lease Term Unit 2 | Rental Purpose Unit 2 | Actual In Place Rent Unit 2 | Third Party Market Rent Estimate Unit 2 | Lease in Place Flag Unit 3 | Lease Start Date Unit 3 | Lease End Date Unit 3 | Original Lease Term Unit 3 | Rental Purpose Unit 3 | Actual In Place Rent Unit 3 | Third Party Market Rent Estimate Unit 3 | Lease in Place Flag Unit 4 | Lease Start Date Unit 4 | Lease End Date Unit 4 | Original Lease Term Unit 4 | Rental Purpose Unit 4 | Actual In Place Rent Unit 4 | Third Party Market Rent Estimate Unit 4 | Lease in Place Flag Unit 5 | Lease Start Date Unit 5 | Lease End Date Unit 5 | Original Lease Term Unit 5 | Rental Purpose Unit 5 | Actual In Place Rent Unit 5 | Third Party Market Rent Estimate Unit 5 | Lease in Place Flag Unit 6 | Lease Start Date Unit 6 | Lease End Date Unit 6 | Original Lease Term Unit 6 | Rental Purpose Unit 6 | Actual In Place Rent Unit 6 | Third Party Market Rent Estimate Unit 6 | Lease in Place Flag Unit 7 | Lease Start Date Unit 7 | Lease End Date Unit 7 | Original Lease Term Unit 7 | Rental Purpose Unit 7 | Actual In Place Rent Unit 7 | Third Party Market Rent Estimate Unit 7 | Lease in Place Flag Unit 8 | Lease Start Date Unit 8 | Lease End Date Unit 8 | Original Lease Term Unit 8 | Rental Purpose Unit 8 | Actual In Place Rent Unit 8 | Third Party Market Rent Estimate Unit 8 | Lease in Place Flag Unit 9 | Lease Start Date Unit 9 | Lease End Date Unit 9 | Original Lease Term Unit 9 | Rental Purpose Unit 9 | Actual In Place Rent Unit 9 | Third Party Market Rent Estimate Unit 9 | Lease in Place Flag Unit 10 | Lease Start Date Unit 10 | Lease End Date Unit 10 | Original Lease Term Unit 10 | Rental Purpose Unit 10 | Actual In Place Rent Unit 10 | Third Party Market Rent Estimate Unit 10 | Rent Loss Insurance | Rent Loss Insurance Amount | HOA Flag | HOA Monthly Premium Amount | Monthly Property Tax | Monthly Insurance Cost | Asset Verification | Blanket Mortgage Flag | Number of Mortgaged Properties With Lender | Number of Properties | Foreign National Alternative Credit Documentation | Foreign National Borrower 1 | Foreign National Borrower 2 | Investor Type | Number of Years Property Owned | Borrower Residency Status | Co Borrower Residency Status | Qualifying Credit Score | Months Bankruptcy 7 11 | Months Bankruptcy 13 | Months Deed in Lieu | Months Short Sale or Pre FC | Prior Mtg Rent Late 30d in 12m | Prior Mtg Rent Late 60d in 12m | Prior Mtg Rent Late 90d in 12m | Prior Mtg Rent Late 30d in 24m | Prior Mtg Rent Late 60d in 24m | Prior Mtg Rent Late 90d in 24m | Section 8 | Street Address | Borrower 1 Type | Borrower 1 Designation | Borrower 1 Employment Status | Borrower 1 First Name | Borrower 1 Last Name | Borrower 1 Number of Mortgaged Properties | Borrower 1 Citizenship | Borrower 1 Documentation Used to Determine Legal Residency | Borrower 1 Country Name | Borrower 1 Asset Verification Level | Borrower 1 Credit Order Date | Borrower 1 Experian FICO | Borrower 1 Experian FICO Model Used | Borrower 1 Equifax FICO | Borrower 1 Equifax FICO Model Used | Borrower 1 TransUnion FICO | Borrower 1 TransUnion FICO Model Used | Borrower 2 Type | Borrower 2 Designation | Borrower 2 Employment Status | Borrower 2 First Name | Borrower 2 Last Name | Borrower 2 Number of Mortgaged Properties | Borrower 2 Citizenship | Borrower 2 Documentation Used to Determine Legal Residency | Borrower 2 Country Name | Borrower 2 Asset Verification Level | Borrower 2 Credit Order Date | Borrower 2 Experian FICO | Borrower 2 Experian FICO Model Used | Borrower 2 Equifax FICO | Borrower 2 Equifax FICO Model Used | Borrower 2 TransUnion FICO | Borrower 2 TransUnion FICO Model Used | Borrower 3 Designation | Borrower 3 First Name | Borrower 3 Last Name | Borrower 3 Number of Mortgaged Properties | Borrower 3 Citizenship | Borrower 3 Documentation Used to Determine Legal Residency | Borrower 3 Country Name | Borrower 3 Asset Verification Level | Borrower 3 Credit Order Date | Borrower 3 Experian FICO | Borrower 3 Experian FICO Model Used | Borrower 3 Equifax FICO | Borrower 3 Equifax FICO Model Used | Borrower 3 TransUnion FICO | Borrower 3 TransUnion FICO Model Used | Borrower 4 Designation | Borrower 4 First Name | Borrower 4 Last Name | Borrower 4 Number of Mortgaged Properties | Borrower 4 Citizenship | Borrower 4 Documentation Used to Determine Legal Residency | Borrower 4 Country Name | Borrower 4 Asset Verification Level | Borrower 4 Credit Order Date | Borrower 4 Experian FICO | Borrower 4 Experian FICO Model Used | Borrower 4 Equifax FICO | Borrower 4 Equifax FICO Model Used | Borrower 4 TransUnion FICO | Borrower 4 TransUnion FICO Model Used | Personal Guarantee | Guarantor 1 First Name | Guarantor 1 Last Name | Guarantor 1 Business Ownership Percent | Guarantor 1 Recourse Type | Guarantor 1 Number of Mortgaged Properties | Guarantor 1 Citizenship | Guarantor 1 Documentation Used to Determine Legal Residency | Guarantor 1 Country Name | Guarantor 1 Asset Verification Level | Guarantor 1 Employment Verification Level | Guarantor 1 Income Verification Level | Guarantor 1 FICO Model Used | Guarantor 1 Credit Order Date | Guarantor 1 Experian FICO | Guarantor 1 Experian FICO Model Used | Guarantor 1 Equifax FICO | Guarantor 1 Equifax FICO Model Used | Guarantor 1 TransUnion FICO | Guarantor 1 TransUnion FICO Model Used | Guarantor 1 Most Recent Fico Method | Guarantor 2 First Name | Guarantor 2 Last Name | Guarantor 2 Business Ownership Percent | Guarantor 2 Recourse Type | Guarantor 2 Number of Mortgaged Properties | Guarantor 2 Citizenship | Guarantor 2 Documentation Used to Determine Legal Residency | Guarantor 2 Country Name | Guarantor 2 Asset Verification Level | Guarantor 2 Employment Verification Level | Guarantor 2 Income Verification Level | Guarantor 2 FICO Model Used | Guarantor 2 Credit Order Date | Guarantor 2 Experian FICO | Guarantor 2 Experian FICO Model Used | Guarantor 2 Equifax FICO | Guarantor 2 Equifax FICO Model Used | Guarantor 2 TransUnion FICO | Guarantor 2 TransUnion FICO Model Used | Guarantor 2 Most Recent Fico Method | Guarantor 3 First Name | Guarantor 3 Last Name | Guarantor 3 Business Ownership Percent | Guarantor 3 Recourse Type | Guarantor 3 Number of Mortgaged Properties | Guarantor 3 Citizenship | Guarantor 3 Documentation Used to Determine Legal Residency | Guarantor 3 Country Name | Guarantor 3 Asset Verification Level | Guarantor 3 Employment Verification Level | Guarantor 3 Income Verification Level | Guarantor 3 FICO Model Used | Guarantor 3 Credit Order Date | Guarantor 3 Experian FICO | Guarantor 3 Experian FICO Model Used | Guarantor 3 Equifax FICO | Guarantor 3 Equifax FICO Model Used | Guarantor 3 TransUnion FICO | Guarantor 3 TransUnion FICO Model Used | Guarantor 3 Most Recent Fico Method | Guarantor 4 First Name | Guarantor 4 Last Name | Guarantor 4 Business Ownership Percent | Guarantor 4 Recourse Type | Guarantor 4 Number of Mortgaged Properties | Guarantor 4 Citizenship | Guarantor 4 Documentation Used to Determine Legal Residency | Guarantor 4 Country Name | Guarantor 4 Asset Verification Level | Guarantor 4 Employment Verification Level | Guarantor 4 Income Verification Level | Guarantor 4 FICO Model Used | Guarantor 4 Credit Order Date | Guarantor 4 Experian FICO | Guarantor 4 Experian FICO Model Used | Guarantor 4 Equifax FICO | Guarantor 4 Equifax FICO Model Used | Guarantor 4 TransUnion FICO | Guarantor 4 TransUnion FICO Model Used | Guarantor 4 Most Recent Fico Method | Authorized Signor 1 First Name | Authorized Signor 1 Last Name | Authorized Signor 2 First Name | Authorized Signor 2 Last Name | Member 1 First Name | Member 1 Last Name | Member 1 Documentation Used to Determine Legal Residency | Member 1 Credit Order Date | Member 1 Experian FICO | Member 1 Experian FICO Model Used | Member 1 Equifax FICO | Member 1 Equifax FICO Model Used | Member 1 TransUnion FICO | Member 1 TransUnion FICO Model Used | Member 1 Asset Verification Level | Member 1 Employment Verification Level | Member 1 Income Verification Level | Member 2 First Name | Member 2 Last Name | Member 2 Documentation Used to Determine Legal Residency | Member 2 Credit Order Date | Member 2 Experian FICO | Member 2 Experian FICO Model Used | Member 2 Equifax FICO | Member 2 Equifax FICO Model Used | Member 2 TransUnion FICO | Member 2 TransUnion FICO Model Used | Member 2 Asset Verification Level | Member 2 Employment Verification Level | Member 2 Income Verification Level | Loan Application Date | Sales Contract Date | Qualifying Home Value for LTV | Number of Units | Year Built | Total Sq Ft | Number of Bedrooms | Number of Bathrooms | Property Condition | Acquisition Cost | Renovation Cost | Effective Gross Income | Turnover Costs | Repairs and Maintenance | Marketing and Leasing Costs | Utilities | Other Costs | Cap Ex Reserve | Investment Property Original As Is LTV | As Is Value | After Repair Value | After Repair Value LTV | Loan to Cost | Original Sales Price | Assignment Fee | Loan to Purchase Price | SBC Occupancy | Investment Property Type | Has Dutch Interest | Interest Reserves Escrowed | Guarantor 1 ITIN Flag | Guarantor 2 ITIN Flag | Guarantor 3 ITIN Flag | Guarantor 4 ITIN Flag |
| XXXX | XXXX | XXXX |  |  | United Wholesale Mortgage, LLC. | United Wholesale Mortgage | United Wholesale Mortgage Jumbo 15 Year and 30 Year Fixed 12/06/2023 | 12/06/2023 | No |  |  |  |  |  |  |  | XXXX |  | 0.297507 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XXXX | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  | No | No |  |  |  | US Citizen |  | XXXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Individual | Individual | Employed | XXXX | XXXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/19/2021 | XXXX |  | XXXX | Beacon 5.0 | XXXX | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | 1 | XXXX | XXXX |  |  | C3 | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX |  |  | United Wholesale Mortgage, LLC | United Wholesale Mortgage | United Wholesale Mortgage Jumbo 15 Year and 30 Year Fixed 12/06/2023 | 12/06/2023 | No |  |  |  |  |  |  |  | XXXX |  | 0.448146 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XXXX | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  | No | No |  |  |  | US Citizen |  | XXXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Individual | Individual | Employed | XXXX | XXXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/09/2021 | XXXX | Fair Isaac | XXXX | Beacon 5.0 | XXXX | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | 1 | XXXX | XXXX |  |  | C3 | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX |  |  | United Wholesale Mortgage, LLC | United Wholesale Mortgage | United Wholesale Mortgage Jumbo 15 Year and 30 Year Fixed 12/06/2023 | 12/06/2023 | No |  |  |  |  |  |  |  | XXXX |  | 0.449978 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX | XXXX | XXXX | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  | No | No |  |  |  | US Citizen |  | XXXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Individual | Individual | Employed | XXXX | XXXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/24/2021 | XXXX | Fair Isaac | XXXX | Beacon 5.0 | XXXX | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | 1 | XXXX | XXXX |  |  | C3 | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX |  |  | United Wholesale Mortgage, LLC | United Wholesale Mortgage | United Wholesale Mortgage Prime Jumbo 15 Year and 30 Year Fixed 12.22.2021 | 12/22/2021 | No |  |  |  |  |  |  |  | XXXX |  | 0.436710 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX | XXXX | XXXX | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  | No | No | No |  |  | US Citizen | US Citizen | XXXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Individual | Individual | Employed | XXXX | XXXX | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/05/2022 | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | Individual | Individual | Employed | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/05/2022 | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | 1 | XXXX | XXXX |  |  | C3 | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX |  |  | United Wholesale Mortgage, LLC | United Wholesale Mortgage | United Wholesale Mortgage Prime Jumbo Released 30 Year Fixed 01.12.2022 | 01/12/2022 | No |  |  |  |  |  |  |  | XXXX |  | 0.442899 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XXXX | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  | No | No | No |  |  | US Citizen | US Citizen | XXXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Individual | Individual | Employed | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/06/2022 | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | Individual | Individual | Employed | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/06/2022 | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | Individual | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/04/2022 | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | 1 | XXXX | XXXX |  |  | C3 | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX |  |  | United Wholesale Mortgage, LLC | United Wholesale Mortgage | United Wholesale Mortgage Prime Jumbo 15 Year and 30 Year Fixed 08.11.2021 | 08/11/2021 | No |  |  |  |  |  |  |  | XXXX |  | 0.418757 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XXXX | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  | No | No |  |  |  | US Citizen |  | XXXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Individual | Individual | Employed | XXXX | XXXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/26/2022 | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | 1 | XXXX | XXXX |  |  | C3 | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX |  |  | United Wholesale Mortgage, LLC | United Wholesale Mortgage | United Wholesale Mortgage Prime Jumbo Released 30 Year Fixed 01.12.2022 | 01/12/2022 | No |  |  |  |  |  |  |  | XXXX |  | 0.445003 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX | XXXX | XXXX | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  | No | No | No |  |  | US Citizen | US Citizen | XXXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Individual | Individual | Employed | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/01/2022 | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | Individual | Individual | Employed | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/01/2022 | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | 1 | XXXX | XXXX |  |  | C4 | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX |  |  | United Wholesale Lending | United Wholesale Mortgage | United Wholesale Mortgage Prime Jumbo Released 30 Year Fixed 01.12.2022 | 01/12/2022 | No |  |  |  |  |  |  |  | XXXX |  | 0.304127 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XXXX | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  | No | No |  |  |  | US Citizen |  | XXXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Individual | Individual | Employed | XXXX | XXXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/25/2022 | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | 1 | XXXX | XXXX |  |  | C3 | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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![](logo_situs.jpg)

#### Data Compare Summary (Total)

#### Run Date - 10/29/2025 10:42:59 AM

---

| | | | | |
|:---|:---|:---|:---|:---|
| Field Label | Loans With Discrepancy | Total Times Compared | % Variance | # Of Loans |
| Street | 29 | 457 | 6.35% | 470 |
| City | 8 | 457 | 1.75% | 470 |
| State | 0 | 457 | 0.00% | 470 |
| Zip | 12 | 468 | 2.56% | 470 |
| Borrower First Name | 18 | 449 | 4.01% | 470 |
| Borrower Last Name | 5 | 450 | 1.11% | 470 |
| Original Loan Amount | 44 | 457 | 9.63% | 470 |
| First Payment Date | 0 | 11 | 0.00% | 470 |
| Original Term | 7 | 7 | 100.00% | 470 |
| Original Interest Rate | 64 | 457 | 14.00% | 470 |
| Amortization Type | 0 | 22 | 0.00% | 470 |
| Representative FICO | 49 | 454 | 10.79% | 470 |
| Property Type | 63 | 468 | 13.46% | 470 |
| Lien Position | 0 | 11 | 0.00% | 470 |
| Occupancy | 1 | 468 | 0.21% | 470 |
| Purpose | 1 | 468 | 0.21% | 470 |
| # of Units | 0 | 7 | 0.00% | 470 |
| Mortgage Type | 0 | 7 | 0.00% | 470 |
| Contract Sales Price | 28 | 426 | 6.57% | 470 |
| Original CLTV | 42 | 448 | 9.38% | 470 |
| Original LTV | 39 | 448 | 8.71% | 470 |
| # of Borrowers | 0 | 7 | 0.00% | 470 |
| LTV Valuation Value | 3 | 22 | 13.64% | 470 |
| Investor: Qualifying Housing Ratio | 7 | 7 | 100.00% | 470 |
| Investor: Qualifying Total Debt Ratio | 144 | 468 | 30.77% | 470 |
| Universal Loan Identifier (ULI) | 0 | 7 | 0.00% | 470 |
| Amortization Term | 0 | 12 | 0.00% | 470 |
| Borrower Qualifying FICO | 0 | 11 | 0.00% | 470 |
| Coborrower Qualifying FICO | 0 | 8 | 0.00% | 470 |
| Refi Purpose | 0 | 30 | 0.00% | 470 |
| Borrower SSN | 0 | 3 | 0.00% | 470 |
| Note Date | 0 | 4 | 0.00% | 470 |
| Maturity Date | 0 | 4 | 0.00% | 470 |
| Original P&I | 122 | 450 | 27.11% | 470 |
| Doc Type | 3 | 4 | 75.00% | 470 |
| Origination Channel | 1 | 3 | 33.33% | 470 |
| Mod Date | 1 | 1 | 100.00% | 470 |
| Mod Maturity Date | 0 | 1 | 0.00% | 470 |
| Has Modification? | 1 | 1 | 100.00% | 470 |
| Calculated Amount Due at Maturity | 0 | 1 | 0.00% | 470 |
| Data Cutoff Date | 0 | 1 | 0.00% | 470 |
| Current P&I | 0 | 1 | 0.00% | 470 |
| Current Balance | 0 | 1 | 0.00% | 470 |
| Current Interest Rate | 0 | 1 | 0.00% | 470 |
| Next Due Date | 0 | 1 | 0.00% | 470 |
| Escrow Balance | 0 | 1 | 0.00% | 470 |
| Pay History Summary (MBA) | 0 | 1 | 0.00% | 470 |
| Current Escrow/Impound | 0 | 1 | 0.00% | 470 |
| Payment Day of Month | 0 | 1 | 0.00% | 470 |
| Coborrower First Name | 15 | 234 | 6.41% | 470 |
| Coborrower Last Name | 17 | 233 | 7.30% | 470 |
| Coborrower SSN | 0 | 1 | 0.00% | 470 |
| PMI Company | 1 | 1 | 100.00% | 470 |
| Interest Only | 5 | 446 | 1.12% | 470 |
| Appraised Value | 117 | 435 | 26.90% | 470 |
| Value Used For LTV Calculation | 20 | 20 | 100.00% | 470 |
| Other Financing Junior Total Original Loan Amount | 4 | 6 | 66.67% | 470 |
| Originator Loan Designation | 0 | 5 | 0.00% | 470 |
| Total | 871 | 9331 | 9.33% | 470 |

---

------

![](logo_situs.jpg)

#### Construction Perm

#### Run Date - 10/29/2025 10:42:59 AM
AMC Loan ID Customer Loan ID Seller Loan ID Deal Num Customer Mod Page Num / Doc ID Mod Doc Status Mod UPB Mod Effective Date Mod First Payment Date Mod Maturity Date Mod Original Interest Rate Mod P&I <br> XXXX 3260145353 XXXX 423695MRL Redwood Complete XXXX XXXX XXXX XXXX XXXX XXXX**

## Exhibit 99.10

![](logo_situs.jpg)

#### Modification Only Extract

#### Run Date - 10/29/2025 4:14:45 PM

**---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| AMC Loan ID | Customer Loan ID | Seller Loan ID | Servicer Loan ID | Borrower Name | Street | City | State | Zip | Has Modification? | Mod Doc Status | Mod Amortization Type | Total Amount Deferred | Mod UPB | Mod Principal Forgiven | Mod Amount Capitalized | Mod Deferred Balance | Mod Accruing UPB | Mod Date | Mod First Payment Date | Mod Maturity Date | Mod Original Term | Mod Amortization Term | Mod Original Interest Rate | Mod P&I | Mod P&I - Calculated | Mod Payment Frequency | Mod Interest Collection Type | Mod Interest Only? | Mod Interest Only Period | Mod Interest Only Period Expiration | Mod Balloon? | Mod Neg Am? | Mod Months Extended | Mod Neg Am Cap (% of UPB) | Principal Reduction Alternative | Balance Eligible | Principal Reduction Alt Amount | PRA Year 1 Anniversary Date | PRA Year 1 Reduction Amount | PRA Year 2 Anniversary Date | PRA Year 2 Reduction Amount | PRA Year 3 Anniversary Date | PRA Year 3 Reduction Amount | Mod Program Type | Mod Cure | Mod Teaser Rate | Mod Rate Change Frequency (Payments) | Mod Payment Change Frequency (Payments) | Mod First Interest Rate Change Date | Mod First Payment Change Date | Mod Next Interest Rate Change Date | Mod Next Payment Change Date | Mod Index Type / ARM Type | Mod Lookback Period | Mod Rounding Factor | Mod Rounding Method | Mod Initial Rate Cap | Mod Initial Rate Floor | Mod Initial Rate Maximum | Mod Initial Rate Minimum | Mod Life Rate Cap | Mod Life Rate Floor | Mod Life Rate Maximum | Mod Life Rate Minimum | Mod Periodic Rate Cap | Mod Periodic Rate Floor | Mod Margin | Step 1 Rate Change Date | Step 1 Payment Change Date | Step 1 Rate | Step 1 P&I | Step 1 # Payments | Step 2 Rate Change Date | Step 2 Payment Change Date | Step 2 Rate | Step 2 P&I | Step 2 # Payments | Step 3 Rate Change Date | Step 3 Payment Change Date | Step 3 Rate | Step 3 P&I | Step 3 # Payments | Step 4 Rate Change Date | Step 4 Payment Change Date | Step 4 Rate | Step 4 P&I | Step 4 # Payments | Step 5 Rate Change Date | Step 5 Payment Change Date | Step 5 Rate | Step 5 P&I | Step 5 # Payments | Step 6 Rate Change Date | Step 6 Payment Change Date | Step 6 Rate | Step 6 P&I | Step 6 # Payments | Step 7 Rate Change Date | Step 7 Payment Change Date | Step 7 Rate | Step 7 P&I | Step 7 # Payments | Step 8 Rate Change Date | Step 8 Payment Change Date | Step 8 Rate | Step 8 P&I | Step 8 # Payments | Step 9 Rate Change Date | Step 9 Payment Change Date | Step 9 Rate | Step 9 P&I | Step 9 # Payments | Step 10 Rate Change Date | Step 10 Payment Change Date | Step 10 Rate | Step 10 P&I | Step 10 # Payments | Mod Prepayment Penalty? | Mod Prepayment Penalty Period (months) | Mod Prepayment Penalty Percent Amount Year 1 | Mod Prepayment Penalty Percent Amount Year 2 | Mod Prepayment Penalty Percent Amount Year 3 | Mod Prepayment Penalty Percent Amount Year 4 | Mod Prepayment Penalty Percent Amount Year 5 | Mod Prepayment Balance Allowance | Mod Prepayment Balance Type | Mod Hard Penalty Period (Months) | Mod Maximum Prepayment Penalty Amount | Mod Prepayment Penalty Enforcement | Mod Prepayment Penalty Expiration Date | Mod Prepayment Penalty Months Interest | Mod Stated Penalty Amount | Mod Prepayment Terms | Mod Extension Deferment? | Mod Extension Date | New Maturity Date | Mod Extension Months | Latest Mod Deferment Date | Number of Deferments | Total Mod Deferment Amount | Active Temp Mod? | Temp Mod Expiraton Date | Temp Mod Status | Temp Mod Reverts To | Temp Mod Amortization Type | Temp Mod UPB | Temp Mod Accruing UPB | Temp Mod Principal Forgiven | Temp Mod Deferred Balance | Temp Mod Date | Temp Mod First Payment Date | Temp Mod Maturity Date | Temp Mod Original Interest Rate | Temp Mod PI | Temp Mod Interest Only | Temp Mod Interest Only Period | Mod Comments | Post Mod Other Change | Post Mod Change Date | Post Mod Forgiveness Amount | Post Mod Change Comment |
| XXXX | 3260145353 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Complete | Fixed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Monthly | In Arrears | No |  |  | No | No | XXXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |

---

**

#### <br>

## Exhibit 99.11

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOANUID** | **LOANID** | **LOANID2** | **SLOANID** | **First Payment Date** | **Data Cutoff Date** | **Pay History Scope** | **Pay History Summary (MBA)** | **Months of Data Missing During Lookback** | **Delinquency During Lookback** |
|  | 2107442790 |  | XXXXX | XXXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |

---

## Exhibit 99.12

![](logo_ca.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;<br>

#### EXECUTIVE SUMMARY<br> THIRD PARTY DUE DILIGENCE REVIEW

#### Overview
Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by Redwood Residential Acquisition Corporation. The review included a total of 36 newly originated residential mortgage loans, in connection with the securitization identified as SEMT 2025-S2 (the "Securitization"). The Review was conducted from November 2021 through October 2025 on mortgage loans originated between September 2021 and August 2025.

#### 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:

<br> a. QM or ATR Validation / Review of 8 Key Underwriting Factors

<br> i. Income / Assets

<br> • Validate borrower(s) monthly gross income

<br> • Validate funds required to close, required reserves

<br> • Review file documentation for required level of income and asset verifications

<br> ii. Employment Status

<br> • Review file documentation for required level of employment

<br> iii. Monthly Mortgage Payment

<br> • Confirm program, qualifying rate, terms

<br> iv. Simultaneous Loans

<br> • Validate all concurrent loans are included in the DTI to properly assess the ability to repay

<br> v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

<br> • Validate subject loan monthly payment (PITI) and associated obligations

<br> vi. Debts / Obligations

<br> • Validate monthly recurring liabilities

<br> vii. DTI and/or Residual Income

<br> • Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

<br> • Documentation meets Appendix Q requirements for QM Loans

<br> viii. Credit History

<br> • Review credit report for credit history and required credit depth including any / all inquiries

<br> • Determine representative credit score from credit report

<br> b. Validate loan-to-value (LTV) and combined loan-to-value

<br> c. Review borrower's occupancy

<br> d. Validation through third party resource of the subject properties most recent twelve (12) month sales history

------

<br> 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

<br> f. Confirm that Final 1003 is sufficiently completed

<br> g. Provide Audit 1008 with accurate data based on file documentation

<br> h. Confirm Loan Approval conditions were met

<br> 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

<br> j. General QM for any loans originated under the GQM Rule

<br> i. Pricing Thresholds:

<br> a. Pricing for First Lien Loans:

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

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

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

<br> b. Pricing for Subordinate Lien Loans:

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

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

<br> c. Pricing for Manufactured Homes:

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

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

<br> ii. Consider Income and Assets:

<br> o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan);

<br> o The consumer's debt obligations, alimony, child support; and

<br> o The monthly DTI or residual income.

<br> iii. Verification of Income and Assets:

<br> 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:

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

------

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

<br> 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;

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

<br> 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

<br> 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. The Compliance Review included the following:

<br> a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> c. Tolerance Testing

<br> i. Compare Loan Estimate and Closing Disclosures

<br> ii. Identify Tolerance Violations and applicable cost to cure

<br> d. Comprehensive review of Closing Disclosure to determine transaction accuracy

<br> e. Recalculation of APR and Finance Charge

<br> f. Testing of:

<br> i. Federal High-Cost Mortgage provisions

<br> ii. Federal Higher Priced Mortgage Loans provisions

<br> iii. Local and/or State Anti-predatory and HighCost provisions

<br> iv. HOEPA Points and Fees

<br> g. Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures

<br> i. Service Provider List

<br> ii. Home Ownership Counselling Disclosure

<br> iii. ARM Disclosure

<br> h. Compliance with QM as it relates to:

<br> i. APR Test

<br> ii. Points & Fees Test

<br> iii. Prepayment Penalty Test

<br> iv. Product Eligibility Testing

<br> i. Notice of Right to Cancel (Rescission) Review

<br> i. Confirm transaction date, expiration date, and disbursement date

<br> ii. Confirm document is properly executed by all required parties to the transaction

<br> iii. Confirm the correct Right of Rescission document was executed for the transaction type

------

<br> j. Confirm through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents

<br> k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)

<br> 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:

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.

<br> 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.

<br> 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.

<br> 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.

<br> e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

<br> f. Ensure that the appraisal conforms to the guidelines provided from the Client.

<br> g. Review appraisal to ensure all required documents were included.

<br> h. Review location map provided within the appraisal for external obsolescence.

<br> i. Ensure highest and best use and zoning complies with guidelines.

<br> j. Confirm there are no marketability issues that affect the subject property.

<br> k. Ensure subject property does not suffer any functional obsolescence.

<br> l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a review could not be performed.

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 guideline from the seller, CDA's were ordered on loans that had an acceptable CU score or R&W eligibility.

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

------

For loans reviewed in a post-close valuation review scenario (36 loans in total):

One (1) loan had a Secondary Appraisal, five (5) loans had an AVM, and fourteen (14) loans had a Desktop Review.

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 was one (1) occurrence of this, all of which values were supported.

Zero (0) loans had a Field Review or BPO, zero (0) loans had a Second Desk Review, 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 twenty (36) mortgage loans reviewed, eighteen (18) unique mortgage loans (50.00% by loan count) had a total of forty-seven (47) discrepancies across twelve (12) 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.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Origination Date | 10 | 21.28% |
| Maturity Date | 10 | 21.28% |
| Originator DTI | 5 | 10.64% |
| Original Loan Amount | 4 | 8.51% |
| Orig Note Rate | 4 | 8.51% |
| Original Collateral Value | 4 | 8.51% |
| Escrow Indicator | 3 | 6.38% |
| Channel | 3 | 6.38% |
| Sales Price | 1 | 2.13% |
| Qualifying Total Debt Income Ratio | 1 | 2.13% |
| Closing Date | 1 | 2.13% |
| Property Attachment Type | 1 | 2.13% |
| **Grand Total** | **47** | **100.00%** |

---

#### Summary of Results

#### OVERALL RESULTS SUMMARY

#### Final Loan Grades

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 34 | $23876275.00 | 94.44% |
| Event Grade B | 2 | $1894534.00 | 5.56% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 36 | $25770809.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 35 | 97.22% |
| Event Grade B | 1 | 2.78% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 36 | 100.00% |

---

------

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 35 | 97.22% |
| Event Grade B | 1 | 2.78% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 36 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 36 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 36 | 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").

---

| | | | |
|:---|:---|:---|:---|
| Exception Type | Exception Level Grade | Exception Category | Total |
| Credit | A | No Credit Findings | 4 |
| Credit | A | HMDA Data Tape Not Provided | 2 |
| Credit | A | Missing Letter of Explanation (Credit) | 1 |
| Credit | A | Borrower 1 Photo Identification not provided | 1 |
| Credit | A | The Note is Missing | 1 |
| Credit | A | Borrower 1 Tax Returns Not Signed | 1 |
| Credit | A | Missing Lease Agreement | 1 |
| Credit | A | Borrower 2 Photo Identification not provided | 1 |
| Credit | A | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 1 |
| Credit | A | Borrower 2 W2/1099 Missing | 1 |
| Credit | A | AUS Partially Provided | 1 |
| Credit | A | Audited DTI Exceeds AUS DTI | 1 |
| Credit | A | HMDA Discrepancy(s) Noted | 1 |
| Credit | A | ***Total Credit Grade (A) Exceptions:*** | ***17*** |
| Compliance | A | Charges That Cannot Increase Test | 3 |
| Compliance | A | eSigned Documents Consent is Missing | 3 |
| Compliance | A | Initial Loan Estimate Delivery Date Test (from application) | 2 |
| Compliance | A | Charges That In Total Cannot Increase More Than 10% Test | 2 |
| Compliance | A | Missing Required Affiliated Business Disclosure | 1 |
| Compliance | A | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 1 |
| Compliance | A | ***Total Compliance Grade (A) Exceptions:*** | ***12*** |
| Compliance | B | Qualified Mortgage Safe Harbor Threshold | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***1*** |
| Property | A | Condo Approval Missing | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | ***1*** |

---

------

#### Event Grade Definitions

---

| | |
|:---|:---|
| **Final Loan Grade** | **Final Loan Grade** |
| A | Loan meets Credit, Compliance, and Valuation Guidelines |
| B | 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. |
| C | The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| D | Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
| 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 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. |
| C | 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. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

------

---

| | |
|:---|:---|
| **Compliance Event Grades** | **Compliance Event Grades** |
| A | 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. |
| 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 absent 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. |

---

---

| | |
|:---|:---|
| **Valuation Event Grades** | **Valuation Event Grades** |
| A | 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. |
| B | 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. |
| 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. |

---

## Exhibit 99.13

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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** |
| 3401000011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/11/2021 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | A verbal verification of employment within XXX business days of the note date was not provided. ; Lender provided VVOE dated within XXX days of the note date. Condition cleared. |  |  | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | 03/07/2022 | Borrower 1 has significant job time - Borrower has XXX years on job; Borrower has stable job time - Borrower has XXX years at job. |
| 3401000011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/11/2021 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 02/01/2022 | Borrower 1 has significant job time - Borrower has XXX years on job; Borrower has stable job time - Borrower has XXX years at job. |
| 3401000011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/11/2021 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he 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).; Finding remians as we have not received a cure or valid reason for transfer tax increase. |  |  | This loan passed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) 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 ##KP## 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). | 02/01/2022 | Borrower 1 has significant job time - Borrower has XXX years on job; Borrower has stable job time - Borrower has XXX years at job. |
| 3401000011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/11/2021 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XXX CFR §1026.19(f)(2)(v) mounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. |  |  | This loan passed the reimbursement amount test. (XXX CFR §1026.19(f)(2)(v) mounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 02/01/2022 | Borrower 1 has significant job time - Borrower has XXX years on job; Borrower has stable job time - Borrower has XXX years at job. |
| 3401000015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 1431 | Credit | Liquid Reserves (Dollar Amount) are less than AUS Minimum Required | The liquid reserves of XXX are less than the minimum required per AUS of XXX. Missing Statement from XXX in the amount of XXX used by lender to qualify the borrower.; Lender provided asset documentation showing sufficient reserves. Condition cleared. |  |  | The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX. | 06/17/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 2095 | Credit | Insufficient cash to close. | Cash to close in the amount of XXX is greater than the available asset amount of XXX. Missing Statement from XXX in the amount of XXX used by lender to qualify the borrower. |  |  | Lender provided asset documentation showing sufficient reserves. Condition cleared. | 06/17/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q.; Lender provided the XXX from XXX. Please provide the cash surrender value. If the cash-value of the XXX is being used for reserves, the cash-value must be documented but does not need to be liquidated and received by the borrower. Condition maintained. |  |  | Lender provided asset documentation showing sufficient reserves. Condition cleared. | 06/17/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection. FEMA declared XXX county in a disaster area (XXX) on XXX/XXX/XXX, with no release date provided by FEMA. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 05/13/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; DTI EXCEEDS XXX% tolerance. Updated PITI provided is XXX vs lender calculation of $XXX. Please resubmit AUS with updated PITI and provide AUS, XXX with updated DTI. Additional conditions may apply. |  |  | The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The qualifying back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX. Lender provided a revised AUS/XXX. Condition cleared. | 07/07/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years |
| 3401000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/17/2022 | Cleared | 924 | Credit | Title Policy is Missing | Title policy is Missing; No title policy in the file, just the closing protection letter | Change status of 'Title Policy is Missing' from Active to Open Rebuttal.; Title commitment provided; No title policy in the file, just the closing protection letter | 44736 | Title policy is Present | 06/24/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years |
| 3401000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. Missing PITI for borrower's primary residence in the amount XXX used by AUS. | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; Lender provided copies of MS, tax cert and HOI for the primare residence to verify PITIA. | 44736 | Borrower liabilities verified indicator is Present | 06/24/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years |
| 3401000019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 12/02/2021 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Tool Required - CU Score > XXX. Condition for informational purposes. Due Diligence Firm will order. |  |  | Third Party Valuation Product Provided. | 03/23/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. |
| 3401000019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 12/02/2021 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Tool Required - CU Score > XXX. Condition for informational purposes. Due Diligence Firm will order. |  |  | Third Party Valuation Product Provided | 03/23/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. |
| 3401000019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/27/2021 | Acknowledged | 1434 | Credit | Hazard Insurance Effective Date is after the Note Date | The hazard insurance effective date of XX/XX/XXXX is after the note date of XXX/XXX/XXX; The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX | Change status of 'Hazard Insurance Effective Date is after the Note Date' from Active to Acknowledged by Client.; NOn material as Hazard carrier has verified no losses for property during days of no coverage. | 44627 | hoi | 11/28/2021 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. |
| 3401000019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 12/02/2021 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | FEMA declared XXX county in a disaster area (XXX) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 12/03/2021 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. |
| 3401000021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/03/2022 | Cleared | 1276 | Property | Is Completion Certificate in file is No | The appraisal was completed "Subject To" however, the file is missing the Completion Certificate.; Received in conditions. |  |  | The Completion Certificate is Yes | 06/01/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/05/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (XXX) on XX/XX/XXXX with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 05/06/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/08/2021 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Tool Required - CU Score > XXX. Condition for informational purposes. Due Diligence Firm will order.; CCA provided within XXX% tolerance. Condition cleared. |  |  | Third Party Valuation Product Provided. | 04/14/2022 |  |
| 3401000027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/11/2021 | Cleared | 722 | Credit | Borrower Credit Report Indicator is Partial | Borrower credit report indicator is Partial. The file is missing the credit report dated XX/XX/XXXX as referenced in the AUS section XXX Additional conditions may apply. ; Cleared |  |  | Borrower credit report indicator is Present | 12/07/2021 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. |
| 3401000029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 12/17/2021 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | A verification of employment dated within XXX days of the note date was not provided for the borrower. |  |  | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | 02/16/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 12/17/2021 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Loan does not meet TQM due to missing income for B2 and employment verification for B1. |  |  | The exception 'ATR/QM Status is Pending' is cleared. | 02/16/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 12/17/2021 | Cleared | 1262 | Credit | CoBorrower Income Verification does not match Approval | The coborrower income verification does not match approval. The file is missing the most recent year W2(s) or standard VOE for the co-borrower. ; Cleared |  |  | The coborrower income verification does match approval | 12/22/2021 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 01/11/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 03/17/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 01/21/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided | 03/17/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/03/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 06/08/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| 3401000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/03/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | 06/08/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| 3401000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/03/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition is for information purposes only- DD firm will order. |  |  | Third Party Valuation Product Provided | 06/08/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| 3401000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cleared | 3598 | Property | Third Party AVM to appraised value exceeds XXX% allowable variance | Third party AVM value of XXX with a variance of XXX exceeds XXX% allowable variance. |  |  | Additional third party valuation requested to support value. | 06/20/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| 3401000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cleared | 3600 | Property | Third party AVM Confidence Score is less than XXX% | Third party AVM Confidence Score of XXX is less than XXX% |  |  | Additional third party valuation requested to support value. | 06/20/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| 3401000035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 06/02/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 06/02/2022 | Borrower 1 has significant job time - Borrower has XXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XXX years at job. |
| 3401000035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 06/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 06/02/2022 | Borrower 1 has significant job time - Borrower has XXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XXX years at job. |
| 3401000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX |  |  |  | Third Party Valuation Product Provided. | 06/20/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided | 06/20/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | DU validated the income/employment with The Work Number (VOI/VOE), The Work Number printout was not provided in the loan file. | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; LEnder provided copy of Work # | 44691 | EXCEPTION RESOLVED | 05/10/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Verbal VOE is missing from file. and DTI exceeds the XXX% thereshold. |  |  | EXCEPTION RESOLVED | 05/10/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | -96383 | Compliance | TRID Initial Closing Disclosure Date and Funding Date Validation Test | This loan failed the TRID closing disclosure date and funding date validation test his loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. |  |  | This compliance test 'TRID Initial Closing Disclosure Date and Funding Date Validation Test' is no longer tested | 05/24/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/05/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | A verification of employment dated within XXX days of the note date was not provided for the borrower. | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; Lender provided VVOE XX/XX/XXXX | 44693 | EXCEPTION RESOLVED | 05/12/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/05/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending due to missing XXX day employment verification. |  |  | EXCEPTION RESOLVED | 05/12/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/03/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 06/08/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/03/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided | 06/08/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cleared | 3600 | Property | Third party AVM Confidence Score is less than XXX% | Third party AVM Confidence Score of XXX is less than XXX% |  |  | Additional third party valuation requested to support value. | 06/20/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 06/08/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided | 06/08/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. |  |  | Hazard insurance coverage is sufficient. | 05/24/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/05/2022 | Cleared | 3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Evidence of gift funds and receipts of funds was not provided. | Change status of 'Asset Documents are Incomplete' from Active to Open Rebuttal.; Lender provided copy of ire for the gift funds used. | 44691 | EXCEPTION RESOLVED | 05/10/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 927 | Compliance | Security Instrument Indicator is Missing | The security instrument indicator is Missing | Change status of 'Security Instrument Indicator is Missing' from Active to Open Rebuttal.; Lender provided copy of DOT | 44691 | The security instrument indicator is Present | 05/10/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/03/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q. DOT Mortgage is not within the file. |  |  | The exception 'ATR/QM Status is Pending' is cleared. | 05/24/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/06/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The Borrower income verification does not match approval. AUS requires lender to obtain the most recent tax return (Pages XXX and Schedule E) or a copy of the current lease agreement to verify the net rental income or loss. The file contains XXX tax returns on page XXX and XXX Schedule E page XXX Evidence an extension was filed for XXX pages XXX & XXX of XXX Tax Returns and/or a current lease agreement was not found in the file. |  |  | Lender provided the XXX tax return (Pages XXX and Schedule E). The file contains XXX tax returns on page XXX and XXX Schedule E page XXX Evidence an extension was filed for XXX pages XXX & XXX of XXX.; Condition cleared. ; | 06/14/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XXX.; Third Party Valuation Product Not Provided and CU Score is XXX. Required, per deal guide, if CU score exceeds XXX. |  |  | Third Party Valuation Product Provided.; Third Party Valuation Product Provided. | 07/07/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% Required, per deal guide, if CU score exceeds XXX. |  |  | Third Party Valuation Product Provided | 07/07/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | -96365 | 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. (XXX 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 passed the charges that in total cannot increase more than XXX% test. (XXX CFR §1026.19(e)(3)(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX do not 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). | 07/01/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he 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 ##XXX## 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 passed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) 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 ##XXX## 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). | 07/01/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/04/2021 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Tool Required - CU Score > XXX. Condition for informational purposes. Due Diligence Firm will order. |  |  | Third Party Valuation Product Provided. | 03/23/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/04/2021 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Tool Required - CU Score > XXX. Condition for informational purposes. Due Diligence Firm will order. |  |  | Third Party Valuation Product Provided | 03/23/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/10/2021 | Acknowledged | 1236 | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing | Change status of 'Affiliated Business Disclosure is Missing' from Active to Acknowledged by Client.; Condition downgraded to B. | 44537 |  | 12/07/2021 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/12/2021 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (XXX) on XX/XX/XXXX with a release date of XXX/XXX/XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 11/15/2021 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/12/2021 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XXX. Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided. | 03/23/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/12/2021 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided | 03/23/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. |
| 3401000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 12/16/2021 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Tool Required - CU Score > XXX. Condition for informational purposes. Due Diligence Firm will order. |  |  | Third Party Valuation Product Provided. | 01/07/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 12/16/2021 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Tool Required - CU Score > XXX. Condition for informational purposes. Due Diligence Firm will order. |  |  | Third Party Valuation Product Provided. | 01/07/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 12/16/2021 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Tool Required - CU Score > XXX. Condition for informational purposes. Due Diligence Firm will order. |  |  | Third Party Valuation Product Provided | 01/07/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 12/17/2021 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX. Two years personal/business tax returns not provided. Unable to calculate self employed income. ; Lender provided updated AUS, 1008 and 1003; however, did not provide income documentation. Condition retained. |  |  | The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The qualifying back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX | 01/26/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 12/16/2021 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval; Lender provided updated AUS, 1008 and 1003; however, did not provide income documentation. Condition retained.; Received in conditions. ; The file does not contain personal or business tax returns. |  |  | The borrower income verification does match approval | 01/26/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 12/16/2021 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection; FEMA declared XXX county in a disaster area (hurricane) on XX/XXX/XXX, with a release date of XX/XXX/XXX. The appraisal in the file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; The appraisal in the file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 12/17/2021 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 12/17/2021 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q.; Lender provided updated AUS, 1008 and 1003; however, did not provide income documentation. Condition retained. |  |  | The exception 'ATR/QM Status is Pending' is cleared. | 01/26/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 12/17/2021 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Tool Required - CU Score > XXX. Condition for informational purposes. Due Diligence Firm will order. |  |  | Third Party Valuation Product Provided. | 03/23/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. |
| 3401000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 12/17/2021 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Tool Required - CU Score > XXX. Condition for informational purposes. Due Diligence Firm will order. |  |  | Third Party Valuation Product Provided | 03/23/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. |
| 3401000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/07/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. |  |  | Hazard insurance coverage is sufficient. | 03/18/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/07/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection; FEMA declared XXX county in a disaster area (XXX) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; PCI obtained - no damage - condition cleraed. | Change status of 'Property is located in a FEMA disaster area' from Active to Acknowledged by Client.; FEMA declared XXX county in a disaster area (XXX) on XXX/XXX/XXX, with a release date of XXX/XXX/XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; Informational purpose sonly. | 44638 | Post disaster inspection confirms no property damage; PCI obtained - no damage - condition cleraed. | 04/18/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/21/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Tool Required - CU Score > XXX. Condition for informational purposes. Due Diligence Firm will order. |  |  | Third Party Valuation Product Provided. | 03/17/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/21/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Tool Required - CU Score > XXX. Condition for informational purposes. Due Diligence Firm will order. |  |  | Third Party Valuation Product Provided. | 03/17/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/21/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided | 03/17/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/07/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q. |  |  | The exception 'ATR/QM Status is Pending' is cleared. | 03/18/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/24/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he 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 ##XXX## 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).; Audit reviewed the lender's response. Please provide a valid COC for the increase in Transfer Tax in the amount of XXX from XX/XX/XXXX to XX/XX/XXXX or refund to borrower. Condition maintained. ; The transfer taxes were not listed on the LE, then added as a Seller paid fee on the Initial CD, but changed to Borrower paid on subsequent CD's with no COC. No Lender credit. |  |  | This loan passed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) 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 ##XXX## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 03/18/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 03/07/2022 | Cleared | -96377 | Compliance | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | This loan failed the TRID post-consummation revised closing disclosure data validation test his loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure hese dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. |  |  | This compliance test 'TRID Post-Consummation Revised Closing Disclosure Data Validation Test' is no longer tested | 03/18/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/24/2022 | Cleared | 871 | Credit | Hazard Insurance Indicator is Partial | Hazard insurance indicator is Partial. The effective date of the policy is XX/XX/XXXX, and the Note date is XX/XX/XXXX.; CLeared wiht PCCD date verifying disbursement date. |  |  | Hazard insurance indicator is Present | 03/18/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years |
| 3401000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 03/18/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 03/23/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. |
| 3401000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 03/18/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided | 03/23/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. |
| 3401000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/23/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. File is missing the Appraisal. Additional conditions may apply. | appraisal | 05/27/2025 | Lender provided appraisal. Condition cleared.; Appraisal is Present or is Waived | 10/21/2025 | 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% |
| 3401000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | 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% |
| 3401000083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/26/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The AUS provided partial income representation and warranty relief for borrower's wage income at XXX, but the loan file contains WVOE with XXX months of income verification. Borrower's pension income was not relieved and per AUS findings should have been documented with benefit letter, award letter, pay Statement, XXX bank Statement, or equivalent. | ; Document Uploaded. ; Document Uploaded. ; | 10/03/2025 | Income and Employment Meet Guidelines | 10/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 |
| 3401000083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/26/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: AUS type is LPA and UCDP LCA not eligible. Missing required third-party valuation. | ; Document Uploaded. ; In XXX review. Nothing needed from the seller at this time. | 09/29/2025 | Property/Appraisal Meets Guidelines | 10/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##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 |

---

---

| |
|:---|
| **Loan Number** |
| 3401000011<br> C<br> A |
| 3401000011<br> C<br> A |
| 3401000011<br> C<br> A |
| 3401000011<br> C<br> A |
| 3401000015<br> C<br> A |
| 3401000015<br> C<br> A |
| 3401000015<br> C<br> A |
| 3401000015<br> C<br> A |
| 3401000017<br> D<br> A<br> C |
| 3401000017<br> D<br> A<br> C |
| 3401000017<br> D<br> A<br> C |
| 3401000019<br> D<br> B<br> A<br> C |
| 3401000019<br> D<br> B<br> A<br> C |
| 3401000019<br> D<br> B<br> C<br> A |
| 3401000019<br> D<br> B<br> C<br> A |
| 3401000021<br> C<br> A |
| 3401000021<br> C<br> A |
| 3401000025<br> D<br> A |
| 3401000027<br> D<br> A<br> C |
| 3401000029<br> C<br> A |
| 3401000029<br> C<br> A |
| 3401000029<br> C<br> A |
| 3401000031<br> D<br> A |
| 3401000031<br> D<br> A |
| 3401000033<br> D<br> A |
| 3401000033<br> D<br> A |
| 3401000033<br> D<br> A |
| 3401000033<br> D<br> A<br> C |
| 3401000033<br> D<br> A<br> C |
| 3401000035<br> A |
| 3401000035<br> A |
| 3401000037<br> D<br> A<br> C |
| 3401000037<br> D<br> A<br> C |
| 3401000037<br> D<br> A<br> C |
| 3401000037<br> D<br> A<br> C |
| 3401000037<br> D<br> A<br> C |
| 3401000041<br> C<br> A |
| 3401000041<br> C<br> A |
| 3401000047<br> D<br> A |
| 3401000047<br> D<br> A |
| 3401000047<br> D<br> A<br> C |
| 3401000049<br> D<br> A |
| 3401000049<br> D<br> A |
| 3401000053<br> D<br> A<br> C |
| 3401000053<br> D<br> A<br> C |
| 3401000053<br> D<br> A<br> C |
| 3401000053<br> D<br> A<br> C |
| 3401000055<br> C<br> A |
| 3401000061<br> D<br> A<br> C |
| 3401000061<br> D<br> A<br> C |
| 3401000061<br> D<br> A<br> C |
| 3401000061<br> D<br> A<br> C |
| 3401000063<br> D<br> A |
| 3401000063<br> D<br> A |
| 3401000065<br> D<br> B<br> C<br> A |
| 3401000065<br> D<br> B<br> C<br> A |
| 3401000065<br> D<br> B<br> A<br> C |
| 3401000065<br> D<br> B<br> A<br> C |
| 3401000067<br> D<br> A<br> C |
| 3401000067<br> D<br> A<br> C |
| 3401000067<br> D<br> A<br> C |
| 3401000067<br> D<br> A<br> C |
| 3401000067<br> D<br> A<br> C |
| 3401000067<br> D<br> A<br> C |
| 3401000067<br> D<br> A<br> C |
| 3401000069<br> D<br> A |
| 3401000069<br> D<br> A |
| 3401000071<br> D<br> A<br> C |
| 3401000071<br> D<br> A<br> C |
| 3401000071<br> D<br> A<br> C |
| 3401000071<br> D<br> A<br> C |
| 3401000071<br> D<br> A<br> C |
| 3401000071<br> D<br> A<br> C |
| 3401000073<br> C<br> A |
| 3401000073<br> C<br> A |
| 3401000073<br> C<br> A |
| 3401000077<br> D<br> A |
| 3401000077<br> D<br> A |
| 3401000081<br> D<br> A<br> C |
| 3401000081<br> D<br> A<br> C |
| 3401000083<br> C<br> A |
| 3401000083<br> C<br> A |

---

## Exhibit 99.14

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Balance** |
| 3401000011 |  | XXX | $XXXXXX<br> C<br> A |
| 3401000013 |  | XXX | $XXXXXX<br> A |
| 3401000015 |  | XXX | $XXXXXX<br> C<br> A |
| 3401000017 |  | XXX | $XXXXXX<br> D<br> C<br> A |
| 3401000019 |  | XXX | $XXXXXX<br> C<br> A<br> D<br> B |
| 3401000021 |  | XXX | $XXXXXX<br> C<br> A |
| 3401000025 |  | XXX | $XXXXXX<br> A<br> D |
| 3401000027 |  | XXX | $XXXXXX<br> D<br> C<br> A |
| 3401000029 |  | XXX | $XXXXXX<br> C<br> A |
| 3401000031 |  | XXX | $XXXXXX<br> A<br> D |
| 3401000033 |  | XXX | $XXXXXX<br> A<br> D |
| 3401000035 |  | XXX | $XXXXXX<br> A |
| 3401000037 |  | XXX | $XXXXXX<br> C<br> D<br> A |
| 3401000039 |  | XXX | $XXXXXX<br> A |
| 3401000041 |  | XXX | $XXXXXX<br> C<br> A |
| 3401000043 |  | XXX | $XXXXXX<br> A |
| 3401000045 |  | XXX | $XXXXXX<br> A |
| 3401000047 |  | XXX | $XXXXXX<br> A<br> D |
| 3401000049 |  | XXX | $XXXXXX<br> A<br> D |
| 3401000051 |  | XXX | $XXXXXX<br> A |
| 3401000053 |  | XXX | $XXXXXX<br> C<br> D<br> A |
| 3401000055 |  | XXX | $XXXXXX<br> C<br> A |
| 3401000057 |  | XXX | $XXXXXX<br> A |
| 3401000059 |  | XXX | $XXXXXX<br> A |
| 3401000061 |  | XXX | $XXXXXX<br> A<br> C<br> D |
| 3401000063 |  | XXX | $XXXXXX<br> A<br> D |
| 3401000065 |  | XXX | $XXXXXX<br> C<br> B<br> D<br> A |
| 3401000067 |  | XXX | $XXXXXX<br> C<br> D<br> A |
| 3401000069 |  | XXX | $XXXXXX<br> A<br> D |
| 3401000071 |  | XXX | $XXXXXX<br> C<br> D<br> A |
| 3401000073 |  | XXX | $XXXXXX<br> C<br> A |
| 3401000075 |  | XXX | $XXXXXX<br> A |
| 3401000077 |  | XXX | $XXXXXX<br> A<br> D |
| 3401000079 |  | XXX | $XXXXXX<br> A |
| 3401000081 |  | XXX | $XXXXXX<br> C<br> A<br> D |
| 3401000083 |  | XXX | $XXXXXX<br> C<br> A |

---

## Exhibit 99.15

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AUS Information** | **AUS Information** |
| <br>**Loan Number** | <br>**Pool ID** | <br>**Alternate Loan Number** | <br>**Original Loan Amount** | <br>**Sales Price** | <br>**Value for LTV** | <br>**LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **AVM Provider** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **FSD Score** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| 3401000011 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 3401000013 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 3401000015 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 3401000017 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 3401000019 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 29.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 3401000021 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 3401000025 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Eligible |
| 3401000027 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 3401000029 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 3401000031 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| 3401000033 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  | XX/XX/XXXX | XXX | XXX | 77 |  | -29.24% | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 3401000035 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 3401000037 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 3401000039 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 3401000041 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 3401000043 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 3401000045 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 3401000047 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  | XX/XX/XXXX | XXX | XXX | 71 |  | 0.00% | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 3401000049 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  | XX/XX/XXXX | XXX | XXX | 93 |  | -2.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 3401000051 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 3401000053 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 3401000055 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 3401000057 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 3401000059 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 3401000061 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  | XX/XX/XXXX | XXX | XXX | 91 |  | -3.49% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Eligible |
| 3401000063 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Eligible |
| 3401000065 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 3401000067 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 3401000069 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Eligible |
| 3401000071 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 3401000073 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 3401000075 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 3401000077 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 |  |
| 3401000079 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 3401000081 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Not Eligible |
| 3401000083 |  | XXX | $XXXXXX | $XXX | $XXX | XXX | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | 95.0 | 0.05 | -.0328 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Not Eligible |

---

## Exhibit 99.16

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Account Number** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| 3401000015 | Orig_Note_Rate | XXX | XXX | FALSE |
| 3401000015 | Original_Collateral_Value | XXX | XXX | FALSE |
| 3401000015 | Original_Loan_Amount | XXXXXX | XXXXXX | FALSE |
| 3401000015 | Originator_DTI | XXX | XXX | FALSE |
| 3401000017 | Escrow_Indicator | No Escrows | Taxes and Insurance | FALSE |
| 3401000017 | Originator_DTI | XXX | XXX | FALSE |
| 3401000033 | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000033 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000037 | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000037 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000039 | Channel | Retail | Broker | FALSE |
| 3401000039 | Orig_Note_Rate | XXX | XXX | FALSE |
| 3401000039 | Original_Collateral_Value | XXX | XXX | FALSE |
| 3401000039 | Original_Loan_Amount | XXX | XXX | FALSE |
| 3401000039 | Originator_DTI | XXX | XXX | FALSE |
| 3401000041 | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000041 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000043 | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000043 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000045 | Channel | Retail | Broker | FALSE |
| 3401000045 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000045 | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000045 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000047 | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000047 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000049 | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000049 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000051 | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000051 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000051 | Sales_Price | XXX | XXX | FALSE |
| 3401000053 | Channel | Retail | Broker | FALSE |
| 3401000053 | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000053 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000055 | Orig_Note_Rate | XXX | XXX | FALSE |
| 3401000055 | Original_Collateral_Value | XXX | XXX | FALSE |
| 3401000055 | Original_Loan_Amount | XXX | XXX | FALSE |
| 3401000055 | Originator_DTI | XXX | XXX | FALSE |
| 3401000057 | Orig_Note_Rate | XXX | XXX | FALSE |
| 3401000057 | Original_Collateral_Value | XXX | XXX | FALSE |
| 3401000057 | Original_Loan_Amount | XXX | XXX | FALSE |
| 3401000059 | Escrow_Indicator | No Escrows | Taxes and Insurance | FALSE |
| 3401000059 | Originator_DTI | XXX | XXX | FALSE |
| 3401000061 | Escrow_Indicator | No Escrows | Taxes and Insurance | FALSE |
| 3401000079 | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000079 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 3401000083 | Property Attachment Type | Detached | Attached | FALSE |
| 3401000083 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |

---

## Exhibit 99.17

![](image00001.jpg)

SEMT 2025-S2

Redwood Trust, Inc.

## &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

------

### Executive Narrative

#### October 27, 2025

#### Performed by

#### Opus Capital Markets Consultants, LLC

#### For

#### Redwood Trust, Inc.

The report summarizes the results of a due diligence review performed on a pool of 30 loans, of which were purchased by Redwood Trust, Inc. ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the Paragon underwriting software. Consultant performed a detailed compliance and credit review of all loans.

As detailed herein, the pool contains 30 QM ATR/Non-HPML (Safe Harbor) credit and compliance loans and were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

(Scope of Work)

#### Jumbo Prime, and Agency Conforming High Balance - Securitization

**1.** **Credit Qualification**

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

---

| | |
|:---|:---|
| **1.1** | **Guidelines** |

---

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

---

| | |
|:---|:---|
| **1.2** | **Employment** |

---

Review the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

---

| | |
|:---|:---|
| **1.3** | **Income** |

---

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

---

| | |
|:---|:---|
| **1.4** | **Assets** |

---

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

------

---

| | |
|:---|:---|
| **1.5** | **Debt Ratio** |

---

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

---

| | |
|:---|:---|
| **1.6** | **Property Valuation** |

---

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

---

| | |
|:---|:---|
| **1.7** | **Loan-to-Value Ratio** |

---

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

---

| | |
|:---|:---|
| **1.8** | **Credit History** |

---

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

---

| | |
|:---|:---|
| **1.9** | **Credit Scores** |

---

Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines

---

| | |
|:---|:---|
| **1.10** | **Compensating Factors** |

---

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

**2.** **Document Review**

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

---

| | |
|:---|:---|
| **2.1** | **Collateral Docs** |

---

<br> 2.1.1 Title Commitment / Policy

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

<br> 2.1.2 Mortgage Note / Security Instrument

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

<br> 2.1.3 Mortgage / Deed of Trust

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

<br> 2.1.4 Conveyance Deed

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

------

---

| | |
|:---|:---|
| **2.2** | **Closing Docs** |

---

<br> 2.2.1 Final Hud-1 Settlement Statement

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

<br> 2.2.2 Final Truth-in-Lending Disclosure

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

<br> 2.2.3 Notice of Right to Cancel

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

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

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

---

| | |
|:---|:---|
| **2.3** | **Credit Docs** |

---

<br> 2.3.1 Loan Application

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

<br> 2.3.2 Underwriting Worksheet

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

<br> 2.3.3 Credit Report

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

<br> 2.3.4 Housing Payment History

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

<br> 2.3.5 Letters of Explanation

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

<br> 2.3.6 Gift Letters

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

<br> 2.3.7 Income Documentation

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

<br> 2.3.8 Asset Documentation

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

<br> 2.3.9 Property Valuation Tools

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

<br> 2.3.10 Proof of Insurance

------

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

**3.** **Regulatory Compliance**

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

---

| | |
|:---|:---|
| **3.1** | **Federal Truth in Lending Act/Regulation Z:** |

---

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

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|:---|:---|
| **3.2** | **Business Days as Defined by Regulation Z:** |

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

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

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<br> 3.3.1 Initial Delivery: Creditor must deliver the Initial Disclosures within 3 "general" business days of application

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

<br> 3.3.3 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific" business days prior to closing

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

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

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| **3.4** | **Home Ownership Equity Protection Act (HOEPA) testing, to include:** |

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<br> 3.4.1 APR test [HOEPA (§1026.32(a)(1))] and [HPML(§1026.35(a)(1))]

<br> 3.4.2 Points and Fees test [HOEPA (§1026.32(a)(2))]

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

<br> 3.4.4 Review and confirm documentation type (i.e. full, stated, no ratio)

<br> 3.4.5 Review for evidence of prepayment penalty

<br> 3.4.6 Verification of Debt-to-Income conformity, when necessary.

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

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|:---|:---|
| **3.5** | **RESPA/Regulation X (Loans with an Application Date prior to 10/03/2015):**  |

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

<br> 3.5.1 Good Faith Estimate (GFE):

<br> 3.5.2 Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.5.3 Confirm the presence of the current GFE form in effect at the time of origination.

<br> 3.5.4 Verify the GFE was provided to the borrower(s) within three days of "Application".

<br> 3.5.5 Application shall be defined by Regulation X and generally be considered complete when the following seven conditions are met:

<br> 3.5.5.1 Borrower(s) First and Last Name

<br> 3.5.5.2 Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

<br> 3.5.5.3 Subject Property Address (including "To Be Determined")

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| 3.5.5.4 | Mortgage Loan Amount Sought |

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<br> 3.5.5.5 Estimation of Property Value

<br> 3.5.5.6 Monthly Income

<br> 3.5.5.7 Any other requirement as defined in the lender's policies and procedures

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

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

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<br> 3.5.8 Analysis to determine whether a Changed Circumstance form is required to accompany each revised Good Faith Estimate (GFE)

<br> 3.5.9 Change of Circumstance Definition:

<br> 3.5.9.1 Acts of God, war, disaster or other emergency;

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

<br> 3.5.9.3 New information particular to the borrower or transaction that was not relied on in providing the GFE; or

<br> 3.5.9.4 Other circumstances that are particular to borrower or transaction, including boundary disputes, need for flood insurance or environmental problems

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

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

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<br> 3.5.10 Final HUD-1: Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.5.10.1 Confirm the presence of the current applicable Final HUD-1 form

<br> 3.5.10.2 Confirm the Final HUD-1 accurately lists all broker and YSP fees.

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

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

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

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

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

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

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

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

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

<br> 3.5.11.2.3 Government recording charges

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

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

<br> 3.5.14 Analysis to confirm loan terms are accurately disclosed between the Good Faith Estimate (GFE) and Final HUD-1

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

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

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|:---|:---|
| **3.6.1** | **Ability-to-Repay:** |

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

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

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<br> 3.6.1.2.1 Income and assets

<br> 3.6.1.2.2 Current employment status

<br> 3.6.1.2.3 Monthly qualifying mortgage payment for the proposed loan

<br> 3.6.1.2.4 Monthly payment on any simultaneous loans

<br> 3.6.1.2.5 Monthly payment for mortgage related obligations for the proposed loans

<br> 3.6.1.2.6 Debts, alimony and child support

<br> 3.6.1.2.7 Qualifying monthly DTI and residual income

<br> 3.6.1.2.8 Credit history

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

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

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|:---|:---|
| **3.6.2** | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Qualified Mortgage** |

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

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

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

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

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

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

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|:---|:---|
| **3.6.3** | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Generally Applicable Factor** |

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

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

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

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

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

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

<br> o Finance charges, unless excluded;

<br> o The portion of upfront private mortgage insurance that exceeds FHA premiums;

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

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

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

<br> o Maximum prepayment penalty; and

<br> o Prepayment penalty paid in a refinance.

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

<br> o Interest;

<br> o Bona fide third-party charges not retained by the creditor;

<br> o Government mortgage insurance premiums;

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

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

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<br> o Sellers points

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

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

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

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

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

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

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

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

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

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

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

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

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|:---|:---|
| **3.6.5** | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Revised QM** |

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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|:---|:---|
| **3.6.7** | **Safe Harbor for Revised QM Rules** |

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For first-lien transactions, a loan receives a conclusive presumption that the consumer had the ability to repay (and hence receives the "safe harbor" presumption of QM compliance) if the APR does not exceed the APOR for a comparable transaction by 1.5 percentage points or more as of the date the

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interest rate is set. A first-lien loan receives a "rebuttable presumption" that the consumer had the ability to repay if the APR exceeds the APOR for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points. There are higher thresholds for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing loans—all of which will be tested by Consultant.

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|:---|:---|
| **3.6.8** | **QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)** |

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

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

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

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

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

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

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

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

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

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

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

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

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|:---|:---|
| **3.6.9** | **For Legacy and Revised QM Rules** |

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.10 Escrow Requirement

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

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

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

<br> • Three-day disclosure from application of the right to a free copy

<br> • Written appraisal from certified or licensed appraiser

<br> • Interior inspection

<br> • Delivery of copies no later than three days prior to consummation

<br> • If the property falls under the 'flipping' definition, a second appraisal is required and must document:

<br> • The difference in the original sales price and the subsequent sales price

<br> • Changes in market conditions

<br> • Property improvements

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

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|:---|:---|
| **3.7.** | **TILA RESPA Integrated Disclosure Statement Of Work** |

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|:---|:---|
| **3.7.1.** | **ELIGIBILITY** |

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<br> 3.7.1.1. The following criteria are used in determining whether TRID applies:

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

<br> 3.7.1.1.2. The Loan Purpose and Property Type includes a closed-end mortgage secured by real estate:

<br> 3.7.1.1.2.1. Purchase

<br> 3.7.1.1.2.2. Refinance (Cash Out or Rate Term)

<br> 3.7.1.1.2.3. Construction and Construction to Permanent Financing

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

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<br> 3.7.1.1.3. The Loan Purpose and Property Type does not include:

<br> 3.7.1.1.3.1. HELOCs

<br> 3.7.1.1.3.2. Reverse mortgages

<br> 3.7.1.1.3.3. Dwellings that are not attached to real property

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

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

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

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|:---|:---|
| **3.7.2.** | **TRID COMPLIANCE REVIEW– LOAN ESTIMATE (″LE″)** |

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<br> 3.7.2.1. INITIAL LE

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

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<br> 3.7.2.2. REVISED LEs

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

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<br> 3.7.2.2.1.1. Changed Circumstance affecting settlement charges

<br> 3.7.2.2.1.2. Change Circumstance affecting eligibility

<br> 3.7.2.2.1.3. Revisions requested by the consumer

<br> 3.7.2.2.1.4. Interest rate dependent charges

<br> 3.7.2.2.1.5. Expiration of the LE and

<br> 3.7.2.2.1.6. Delayed settlement date on a construction loan

<br> 3.7.2.2.1.7. Timing Requirement for LE 7 days prior to consummation

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|:---|:---|
| **3.7.3.** | **DETERMINATION OF FINAL BINDING LE** |

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

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

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

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

<br> 3.7.3.1.3.1. Verification of the technical formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of the document preparation source.

<br> 3.7.3.1.3.2. General loan information and loan terms sections completed, and formatting is accurate.

<br> 3.7.3.1.3.2.1. Verify loan term, purpose, and product descriptions follow the prescribed format.

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<br> 3.7.3.1.3.2.2. Verify all applicants applying for credit, as disclosed on the application, are listed on the LE

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

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<br> 3.7.3.1.5. If rate is locked, were lock expiration date, time and time zone disclosed.

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

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

<br> 3.7.3.1.8. The Closing Costs and Cash-to-Close sections are complete and accurate based on the information provided on page 2 of the LE.

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

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

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

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

<br> 3.7.3.1.13. The Comparison section is complete.

<br> 3.7.3.1.14. Rounding rules verified as per 1026.37(o)(4).

<br> 3.7.3.1.15. Other Considerations Section is complete

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|:---|:---|
| **3.7.4.** | **WRITTEN LIST OF PROVIDERS** |

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

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|:---|:---|
| **3.7.5.** | **VARIANCE TESTS** |

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<br> 3.7.5.1. Utilize one (1) of the following Variance Categories in performing variance tests:

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

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

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

<br> 3.7.5.1.1.3. Transfer taxes.

<br> 3.7.5.1.1.4. Lender Credits

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

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<br> 3.7.5.1.2.1. Recording fees; and

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

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

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

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<br> 3.7.5.1.3.1. Prepaid interest;

<br> 3.7.5.1.3.2. Property insurance premiums;

<br> 3.7.5.1.3.3. Impounds/Escrows;

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

<br> 3.7.5.1.3.5. Charges for third party services NOT required by the creditor (even if paid to an affiliate of the creditor).

<br> 3.7.5.1.4. Notes of interest for "No Tolerance/Unlimited":

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

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

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

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

<br> 3.7.5.1.5. Other Variance Notes

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

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

<br> 3.7.5.1.5.3. For loans with an Interim LE, the following procedures will be applied:

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

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

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<br> 3.7.6.1. Opus CMC will conduct a general CD review and verify the following:

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

<br> 3.7.6.3. That the correct form is used and all sections of the CD are completed (no blanks or incomplete sections).

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

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

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

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<br> 3.7.6.7. On the final CD the following checks and limitations apply:

<br> 3.7.6.7.1. Verification of the technical formatting of the CD is out of scope in the standard review. The formatting of the document is the responsibility of the document preparation source.

<br> 3.7.6.7.2. Closing, Transaction and Loan Information sections have been completed with accurate information.

<br> 3.7.6.7.3. Loan terms sections are completed.

<br> 3.7.6.7.3.1. Opus CMC will verify loan term, purpose, and product descriptions follow the prescribed format.

<br> 3.7.6.7.3.2. Opus CMC will verify all applicants applying for credit, as disclosed on the application, are listed on the LE

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<br> 3.7.6.7.4. "Can this mount increase after closing?" and "Does the loan have these features" sections are completed accurately.

<br> 3.7.6.7.5. Projected Payments and Estimated Taxes, Insurance & Assessments sections are completed accurately.

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

<br> 3.7.6.7.7. Any addenda found in file listing ADDITIONAL fees for sections other than Section C (Services You Can Shop For).

<br> 3.7.6.7.8. Calculating Cash to Close table completed accurately.

<br> 3.7.6.7.9. Summaries of Transaction section completed accurately

<br> 3.7.6.7.10. Loan Disclosures section complete:

<br> 3.7.6.7.10.1. CD Assumption, Demand Feature, Negative Amortization, and Partial Payments sections completed properly (at least and only one box selected).

<br> 3.7.6.7.10.2. Late Payment completed properly (terms disclosed and accurate per note).

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| 3.7.6.7.10.3. | Escrow Amount section completed properly (only one box selected, and amounts disclosed). |

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

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

<br> 3.7.6.7.12. If Interest Only, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (AP″) Table disclosed accurately.

<br> 3.7.6.7.13. If ARM or Step, is Adjustable Interest Rate (AIR″) Table disclosed accurately.

<br> 3.7.6.7.14. Loan Calculations section complete and accurate.

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|:---|:---|
| 3.7.6.7.14.1. | Total of Payments is accurate per 1026.38(o)(1). |

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

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|:---|:---|
| 3.7.6.7.14.2. | Capture amounts disclosed in Loan Calculations section and test for TILA tolerance violations on disclosed APR and Finance Charge. |

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|:---|:---|
| 3.7.6.7.14.3. | Total Interest Percentage (TIP) accurate with proper rounding. |

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<br> 3.7.6.7.15. Other Disclosures section complete with at least one choice selected as applicable.

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

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<br> 3.7.6.7.16. Contact Information section is complete with information from each party of the transaction provided as applicable.

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

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|:---|:---|
| **3.7.7.** | **TRID METHOD OF RECEIPT OF LE AND CD** |

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

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<br> 3.7.7.1.1. In Person: borrower signature date is used.

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

<br> 3.7.7.1.3. Electronic\* - With Receipt Confirmation in File, date of receipt confirmation is used.

<br> 3.7.7.1.4. Electronic\*-Delivery confirmation of an email, assuming the borrower(s) have consented to electronic delivery.

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

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

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

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|:---|:---|
| **3.7.8.** | **OTHER RECOMMENDED TRID COMPLIANCE TESTS** |

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<br> 3.7.8.1. Apply the following additional compliance tests which were included in the recommended review scope resulting from the 2015 CFPB Amendments:

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

<br> 3.7.8.3. Use of TRID forms on loans not covered by TRID: a finding will be cited if the new TRID forms are utilized on loans not covered by TRID (i.e., HELOC, i.e. reverse mortgages, i.e.

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Chattel Dwelling loans (loans on mobile homes that are also not secured by the underlying real property or loans on houseboats).

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

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

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<br> 3.7.8.6. Post-Consummation Disclosures: TRID review scope will not include testing for compliance with the following post-consummation disclosures under TRID:

<br> 3.7.8.6.1. Escrow Closing Notice; and

<br> 3.7.8.6.2. Mortgage servicing transfer and partial payment notices.

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|:---|:---|
| **3.7.9.** | **SUBSEQUENT CHANGES AFTER CONSUMMATION** |

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

<br> 3.7.9.1.1. 1026.19(f)(2)(iii) – Changes due to events occurring after consummation.

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

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<br> 3.7.9.1.2. 1026.19(f)(2)(iv) – Changes due to clerical errors.

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

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<br> 3.7.9.1.2.1.1. Corrections to the closing information section.

<br> 3.7.9.1.2.1.2. Corrections to the transaction information section.

<br> 3.7.9.1.2.1.3. Corrections to loan id # or MIC #.

<br> 3.7.9.1.2.1.4. Corrections to non-numeric identifiers in the Estimated Taxes, Insurance & Assessments section.

<br> 3.7.9.1.2.1.5. Corrections to the fee labels and/or order of fees.

<br> 3.7.9.1.2.1.6. Corrections to the location of the fee(s).

<br> 3.7.9.1.2.1.7. Corrections to missing cure language.

<br> 3.7.9.1.2.1.8. Corrections to the "Did This Change" section of Calculating Cash to Close.

<br> 3.7.9.1.2.1.9. Corrections to the Loan Disclosures section

<br> 3.7.9.1.2.1.10. Corrections to non-numeric items in the Escrow Account section.

<br> 3.7.9.1.2.1.11. Corrections to the Other Disclosures section.

<br> 3.7.9.1.2.1.12. Corrections to the Contact Information section.

<br> 3.7.9.1.3. 1026.19(f)(2)(v) – Refunds related to the good faith analysis.

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

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

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

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|:---|:---|
| **3.8** | **Additional Disclosures and Requirements:** |

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

<br> 3.8.1 Servicing Transfer Disclosure (for applications prior to 10/03/2015):

<br> 3.8.1.1 Confirm the presence of the Servicing Transfer Disclosure form in file

<br> 3.8.1.2 Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

<br> 3.8.2 Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

<br> 3.8.2.1 Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

<br> 3.8.2.2 Confirm the Home Loan Tool Kit is provided within three general business days of application

<br> 3.8.3 Affiliated Business Disclosure

<br> 3.8.3.1 Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

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

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<br> 3.8.3.3 Confirm the Affiliated Business Disclosure is executed.

<br> 3.8.4 Initial Escrow Disclosure Statement

<br> 3.8.4.1 Confirm the presence of the Initial Escrow Disclosure Statement in file

<br> 3.8.4.2 Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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| | |
|:---|:---|
| **3.9** | **National Flood Insurance Program (NFIP)** |

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

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| | |
|:---|:---|
| **3.10** | **Homeowner's Flood Affordability Act (HFIAA)** |

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

<br> 3.10.1 Frequency – Payable with same frequency as payments designated for the loans

<br> 3.10.2 Exceptions

<br> 3.10.2.1 Loan is an extension of credit primarily for business, commercial or agricultural purposes

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

<br> 3.10.2.3 Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.3.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provided by a condominium association, cooperative or other applicable group and

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

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| | |
|:---|:---|
| **3.11** | **Regulatory Compliance Disclaimer** |

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

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

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| | |
|:---|:---|
| **3.12** | **Seasoning and Certain Compliance Exceptions** |

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

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

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

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| | |
|:---|:---|
| **4.1** | Arkansas Home Loan Protection Act, AR. Stat. Ann. § 23-53-101 et seq. |

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| | |
|:---|:---|
| **4.2** | California Anti-Predatory Lending Statute, CA. Fin. Code § 4970 et seq. |

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| | |
|:---|:---|
| **4.3** | California Higher Priced Mortgage Loan Statute, CA. Fin Code § 4995 et seq. |

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

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| | |
|:---|:---|
| **4.5** | Colorado Consumer Credit Code, CO. Rev. Stat. 5-1-101 et seq. |

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

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

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

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| | |
|:---|:---|
| **4.9** | Florida Fair Lending Act, FL. Stat. Ann. § 494.0078 et seq. |

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

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| | |
|:---|:---|
| **4.11** | Idaho Residential Mortgage Practices Act, ID. Code § 26-3101 et seq. |

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| | |
|:---|:---|
| **4.12** | Illinois High Risk Home Act, IL. Comp Stat. tit. 815, §§137/5 et seq. |

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| | |
|:---|:---|
| **4.13** | Illinois High Risk Home Loan Regulations, 38 IL. Admin. Code § 345.10 et seq. |

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| | |
|:---|:---|
| **4.14** | Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003). |

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

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

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

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

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

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

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

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

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

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| | |
|:---|:---|
| **4.24** | Massachusetts Regulations for Higher Priced Mortgage Loans, 209 MA. Code Regs. §§ 32.00 |

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| | |
|:---|:---|
| **4.25** | Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C. |

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| | |
|:---|:---|
| **4.26** | Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17). |

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| | |
|:---|:---|
| **4.27** | Michigan Consumer Mortgage Protection Act, MI. Stat. Ann. § 445-1631 et seq. |

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

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| | |
|:---|:---|
| **4.29** | Nebraska Mortgage Bankers Registration and Licensing Act, NE. Stat.§ 45-702 et seq. |

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

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

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

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| | |
|:---|:---|
| **4.33** | New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001). |

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

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

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

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|:---|:---|
| **4.37** | City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003. |

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|:---|:---|
| **4.38** | Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003). |

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

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|:---|:---|
| **4.40** | Pennsylvania Consumer Equity Protection Act, 63 PA. Cons. Stat. Ann. § 456.501 et seq. |

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

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

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

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| | |
|:---|:---|
| **4.44** | South Carolina Consumer Protection Code, SC. Code 37-1-101 et seq. |

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

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| | |
|:---|:---|
| **4.46** | Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq. |

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|:---|:---|
| **4.47** | Texas Constitution, Section 50(a)(6), Article XVI |

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

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

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

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

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

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| | |
|:---|:---|
| **4.53** | Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008. |

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| | |
|:---|:---|
| **4.54** | Wisconsin Responsible High-Cost Mortgage Lending Act, WI. Stat. § 428.202. |

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

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| | |
|:---|:---|
| **4.56** | Wyoming Credit Code, WY. Stat. Ann. §§ 40-14-101 et seq. |

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**5.** **Misrepresentation and Third-Party Product Review**

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

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| | |
|:---|:---|
| **5.1** | **Misrepresentation Review** |

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

<br> 5.1.1 Signatures

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

<br> 5.1.2 Alerts

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Assess credit report alerts for accuracy and potential issues.

<br> 5.1.3 Social Security Numbers

Compare SSN(s) across all file documents.

<br> 5.1.4 Document Integrity

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

<br> 5.1.5 Data Consistency

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

<br> 5.1.6 Third Party Fraud Tools

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

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| | |
|:---|:---|
| **5.2** | **Independent Third Party Values** |

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

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

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<br> 5.2.2 Consultant will also perform the following steps

<br> 5.2.2.1 Based on review of the original appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Value is based on as-is condition

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property is described as average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Appraisal addresses any adverse comments

<br> 5.2.2.2 Appraisal is completed on appropriate GSE Form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Appraisal contains required attachments

<br> 5.2.2.3 Appraiser was appropriately licensed at the time the appraisal was signed

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

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<br> 5.2.4 Value Review Disclaimer

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| | |
|:---|:---|
| 5.2.4.1 | The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law. |

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<br> 5.2.4.2 Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

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<br> 5.2.4.3 Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

<br> 5.2.4.4 Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore opus will not have and communications with or responsibility to any individual concerning property valuations.

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| | |
|:---|:---|
| **5.3** | **Payment History and Servicing Comments** |

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If a loan is seasoned more than 12 months, the Client will provide payment histories and servicing comments for (i) 36 months, or (ii) the time period required by the rating agencies. The Consultant will review the provided payment histories and comments to determine the following:

<br> 5.3.1 – Timely payment posting

<br> 5.3.2 – Request for modification

<br> 5.3.3 – Property condition issues

<br> 5.3.4 – Change in occupancy

<br> 5.3.5 – Change in ability to pay

<br> 5.3.6 – Other items impacting the enforcement of the lien

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| | |
|:---|:---|
| **5.4** | **Title Reports** |

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<br> 5.4.1 If the loan is season over 24 months Consultant will facilitate the ordering of title reports. Consultant and client agree the vendor providing the title reports will be responsible for issuing a separate 15E.

<br> 5.4.2 Consultant is not responsible for the accuracy of the title reports, nor makes any representations or warranties with respect to any of the information contained in the title reports.

---

| | |
|:---|:---|
| **5.5** | **Updated FICO Scores** |

---

If the FICO score contained in the loan file is aged more than 6 months, an updated FICO score will be required

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| | |
|:---|:---|
| **5.6** | **Properties in FEMA declared disaster zones.** |

---

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

<br> 5.6.1 No apparent damage to the property

<br> 5.6.2 Property appears to be occupied

<br> 5.6.3 To the extent the property is located in an active FEMA zone, and no inspection was located in the provided, Consultant will order an inspection.

**6.** **Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance. Consultant and Client can mutually agree to change the listed fields a review-by-review basis.

---

| | |
|:---|:---|
| **6.1** | Appraised Value |

---

---

| | |
|:---|:---|
| **6.2** | CLTV |

---

---

| | |
|:---|:---|
| **6.3** | DTI |

---

---

| | |
|:---|:---|
| **6.4** | FICO |

---

------

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| | |
|:---|:---|
| **6.5** | Interest Only |

---

---

| | |
|:---|:---|
| **6.6** | Interest Rate |

---

---

| | |
|:---|:---|
| **6.7** | Loan Term |

---

---

| | |
|:---|:---|
| **6.8** | Loan Purpose |

---

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| | |
|:---|:---|
| **6.9** | LTV |

---

---

| | |
|:---|:---|
| **6.10** | Occupancy |

---

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| | |
|:---|:---|
| **6.11** | Original Balance |

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| | |
|:---|:---|
| **6.12** | Property Address |

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| | |
|:---|:---|
| **6.13** | Property City |

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| | |
|:---|:---|
| **6.14** | Property State |

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| | |
|:---|:---|
| **6.15** | Property Type |

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| | |
|:---|:---|
| **6.16** | Sales Price |

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| | |
|:---|:---|
| **6.17** | Second Mortgage Lien Amount |

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| | |
|:---|:---|
| **6.18** | Self Employed |

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| | |
|:---|:---|
| **6.19** | Units |

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| | |
|:---|:---|
| **6.20** | Zip Code |

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| | |
|:---|:---|
| **6.21** | Loan Type |

---

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| | |
|:---|:---|
| **6.22** | QM Status |

---

**7.** **Fitch Grading Criteria**

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

**8.** **Moody's Grading Criteria**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**9.**&nbsp;&nbsp;&nbsp;&nbsp;**Kroll Grading Criteria**

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

------

**10.** **Standard & Poor's Grading Criteria**

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

**11.** **DBRS Grading Criteria**

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

**12.** **Opus Grading Criteria**

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

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| | |
|:---|:---|
| **12.1** | Opus Credit Grades |

---

<br> 12.1.1 Opus Level 1 Credit Grade Definition

Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

<br> 12.1.2 Opus Level 2 Credit Grade Definition

Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

<br> 12.1.3 Opus Level 3 Credit Grade Definition

Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

---

| | |
|:---|:---|
| **12.2** | Opus Property Grades |

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<br> 12.2.1 Opus Level 1 Property Grade Definition

Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

<br> 12.2.2 Opus Level 2 Property Grade Definition

Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

<br> 12.2.3 Opus Level 3 Property Grade Definition

Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

---

| | |
|:---|:---|
| **12.3** | Opus Compliance Grades |

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<br> 12.3.1 Opus Level 1 Compliance Grade Definition

Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

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<br> 12.3.2 Opus Level 2 Compliance Grade Definition

There are minor issues regarding legal and/or regulatory compliance, but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

<br> 12.3.3 Opus Level 3 Compliance Grade Definition

Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>

13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 13.1 is hereby inserted into <u>Exhibit A</u> to the SOW as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**13.1**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Regulatory Compliance Disclaimer**

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

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

14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 14.1 is hereby inserted into <u>Exhibit A</u> to the SOW as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**14.1**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Seasoning and Certain Compliance Exceptions**

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

------

### Pool Details

---

| | | |
|:---|:---|:---|
| **Loan Type** | **Loan Type** | **Loan Type** |
| Type | Count | % of Pool |
| Non-Conforming | 30 | 100.00%w |
| Conforming-GSE Eligible | 0 | 0.00% |
| **Total** | **30** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Interest Rate** | **Interest Rate** | **Interest Rate** |
| Type | Count | % of Pool |
| 2.250 - 2.499 | 0 | 0.00% |
| 2.500 - 2.999 | 0 | 0.00% |
| 3.000 - 3.499 | 11 | 36.67% |
| 3.500 - 3.999 | 14 | 46.67% |
| 4.000 - 4.499 | 5 | 16.67% |
| 4.500 - 4.999 | 0 | 0.00% |
| 5.000 - 5.499 | 0 | 0.00% |
| 5.500 - 5.999 | 0 | 0.00% |
| 6.000 - 6.459+ | 0 | 0.00% |
| **Total** | **30** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Purpose** | **Purpose** | **Purpose** |
| Type | Count | % of Pool |
| Cash out Ref i | 0 | 0.00% |
| Purchase | 28 | 93.33% |
| Rate / Term Ref i | 2 | 6.67% |
| **Total** | **30** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **DTI** | **DTI** | **DTI** |
| Type | Count | % of Pool |
| 0.00-20.00 | 1 | 3.33% |
| 20.01-30.00 | 7 | 23.33% |
| 30.01.40.00 | 12 | 40.00% |
| 40.01-45.00 | 10 | 33.33% |
| 45.01-50.00 | 0 | 0.00% |
| **Total** | **30** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Product Type** | **Product Type** | **Product Type** |
| Type | Count | %of Pool |
| Fixed | 30 | 100.00% |
| ARM | 0 | 0.00% |
| **Total** | **30** | 100.0036 |

---

---

| | | |
|:---|:---|:---|
| **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Count | %of Pool |
| Primary Residence | 28 | 93.33% |
| Second Home | 2 | 6.67% |
| Investment Property | 0 | 0.00% |
| **Total** | **30** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **Property Type** | **Property Type** |
| Type | Count | %of Pool |
| Singe Family Detached | 15 | 50.00% |
| Co-op | 0 | 0.00% |
| Condo, Low Rise | 2 | 6.67% |
| Condo, High Rise | 0 | 0.00% |
| PUD | 13 | 43.33% |
| 1 Family Attached | 0 | 0.00% |
| 2 Family | 0 | 0.00% |
| 3 Family | 0 | 0.00% |
| 4 Family | 0 | 0.00% |
| **Total** | **30** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **LTV** | **LTV** | **LTV** |
| Type | Count | %of Pool |
| 0.00-30.00 | 0 | 0.00% |
| 30.01.40.00 | 0 | 0.00% |
| 40.01-50.00 | 0 | 0.00% |
| 50.01-60.00 | 0 | 0.00% |
| 6a 01-70.00 | 0 | 0.00% |
| 70.01-80.00 | 0 | 0.00% |
| 80 01-90.00 | 30 | 100.00% |
| Total | 30 | 100.00% |

---

------

---

| | | |
|:---|:---|:---|
| **QM Type** | **QM Type** | **QM Type** |
| Type | Count | % of Pool |
| QM: ATR Pass/Non-HPML (Safe Harbor) | 30 | 100.00% |
| QM/Agency Safe Harbor | 0 | 0.00% |
| QM/HPML | 0 | 0.00% |
| Not Covered/Exempt | 0 | 0.00% |
| **Total** | **30** | **100.00%** |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

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

### Tape Discrepancies

---

| | | |
|:---|:---|:---|
| **Data Element** | **Count** | **Accuracy** |
| Borrower Last Name | 1 | 96.67% |
| Borrower Self Employed | 2 | 93.33% |
| DTI | 18 | 40.00% |
| Note Date | 1 | 96.67% |
| Property County | 1 | 96.67% |
| Property Type | 1 | 96.67% |
| **Total Loan Population** | **30** |  |

---

------

### Loan Grading Definitions

#### Credit

---

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

---

#### Compliance

---

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

---

---

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

---

------

#### Property Valuation

---

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

---

---

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

---

------

### Loan Review Findings

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated October 22, 2025.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| **DBRS, Fitch, Kroll, S&P and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 20 | 66.67% |
| B | 10 | 33.33% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Compliance Grade Summary** |  |  |
| **DBRS, Fitch, Kroll, S&P and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 21 | 70.00% |
| B | 9 | 30.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Credit Grade Summary** |  |  |
| **DBRS, Fitch, Kroll, S&P and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 28 | 93.33% |
| B | 2 | 6.67% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Property Grade Summary** |  |  |
| **DBRS, Fitch, Kroll, S&P and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 30 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

------

### Loans Reviewed (30)

---

| | | |
|:---|:---|:---|
| 303025808 | 303143073 | 302938610 |
| 303075890 | 303325846 | 302979355 |
| 302700702 | 302866209 | 302774629 |
| 303106675 | 302805701 | 303085548 |
| 303010416 | 303237358 | 302816233 |
| 302784737 | 302869743 | 303257425 |
| 302866211 | 303106679 | 303200467 |
| 303232096 | 302737661 | 302837349 |
| 302860848 | 303079030 | 302816254 |
| 303106678 | 302794548 | 303088940 |

---

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

## Exhibit 99.18

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Loan Number** | **Customer Loan ID** | **Alt ID** | **Loan Exception ID** | **Exception ID** | **Exception Category** | **Exception Sub Category** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Loan Attributes** | **Exception Status** | **Initial Exception Grade** | **Opus Max Initial Grade** | **Final Exception Grade** | **Opus Max Grade** | **Subject to Predatory Lending** | **HUD Category** |
| XXXX | XXXX | XXXX | 302774629 | 274_19_685 | 685 | Credit |  | Missing 1008 or Underwriter Approval | Transmittal Summary Indicator is Present |  | (2021-10-27) The lender provided the approval 1008. Finding cleared. | UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302866211 | 274_73_-96366 | -96366 | Compliance |  | Charges That Cannot Increase Test | This loan passed the charges that cannot increase test. (12 CFR Â§1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to Â§1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to Â§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 Â§1026.19(e)(1)(i). |  | (2022-03-22) Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. Documentation submitted is deemed acceptable. Condition cleared. | UW guides maximum DTI of 45.00%, loan qualified with DTI of 40.06%. ; FICO is higher than guidelines. FICO is: 723 and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302866211 | 274_73_-96362 | -96362 | Compliance |  | Reimbursement Amount Test | This loan passed the reimbursement amount test. (12 CFR Â§1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $0.00.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under Â§1026.19(e)(3)(i) or (ii), the creditor complies with Â§1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with Â§1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. |  | (2022-03-22) Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. Documentation submitted is deemed acceptable. Condition cleared. | UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302805701 | 274_103_18049 | 18049 | Credit |  | Missing 3rd Party Verbal Verification of Employment (CoBorrower) |  |  | (2022-03-31) The lender provided a valid VVOE dated prior to the Note date. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302805701 | 274_103_18732 | 18732 | Compliance |  | QM ATR Failure - Employment documentation does not meet guideline requirements | QM ATR Failure - Employment documentation does not meet guideline requirements |  | (2022-03-31) The lender provided a valid VVOE dated prior to the Note date. Finding cleared.<br> (2021-11-02) Missing a verbal verification of employment for the co-borrower that is no more than 10 business days prior to the Note date for borrower's job in position 1 on the application. The Note date is XX/XX/XXXX. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302805701 | 274_103_18733 | 18733 | Compliance |  | QM ATR Failure - Employment validation/verification standards do not meet requirements |  |  | (2022-03-31) The lender provided a valid VVOE dated prior to the Note date. Finding cleared.<br> (2021-11-02) Missing a verbal verification of employment for the co-borrower that is no more than 10 business days prior to the Note date for borrower's job in position 1 on the application. The Note date is XX/XX/XXXX. Finding is deemed non-material for lender guideline violation. Loan will be rated a B. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302837349 | 274_165_11312 | 11312 | Credit |  | DTI Exceeds Guidelines | <br> The Guidelines reflect a maximum allowable DTI of 45%. Due to the improper calculation of debts, the actual DTI is XXXX%. The lender did not calculate the two student loan payments using 1.15% calculation or provide documentation reflecting a fully amortized payment as required by guidelines. |  | (2022-08-22) The lender provided an updated 1003, 1008 and DU reflecting a higher qualifying income for the borrower, which includes bonus and other income (as per the WVOE), which are supported by >12 months of income. Finding cleared.<br> (2022-03-30) The lender provided an updated 1003, 1008 and DU reflecting a higher qualifying income for the borrower, which includes bonus and other income (as per the WVOE), which are supported by >12 months of income. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302837349 | 274_165_18737 | 18737 | Compliance |  | QM ATR Failure - Monthly Debt Obligations taken into consideration do not meet requirements | <br> QM ATR Failure - Monthly Debt Obligations taken into consideration do not meet requirements |  | (2022-08-22) The lender provided an updated 1003, 1008 and DU reflecting a higher qualifying income for the borrower, which includes bonus and other income (as per the WVOE), which are supported by >12 months of income. Finding cleared.<br> (2022-03-30) The lender provided an updated 1003, 1008 and DU reflecting a higher qualifying income for the borrower, which includes bonus and other income (as per the WVOE), which are supported by >12 months of income. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302837349 | 274_165_18738 | 18738 | Compliance |  | QM ATR Failure - Monthly Debt Obligations validation/verification standards do not meet requirements | QM ATR Failure - Monthly Debt Obligations validation/verification standards do not meet requirements |  | (2022-03-30) The lender provided an updated 1003, 1008 and DU reflecting a higher qualifying income for the borrower, which includes bonus and other income (as per the WVOE), which are supported by >12 months of income. Finding cleared.<br> (2021-11-29) The Guidelines reflect a maximum allowable DTI of 45%. Due to the improper calculation of debts, the actual DTI is 46.54%. The lender did not calculate the two student loan payments using 1.15% calculation or provide documentation reflecting a fully amortized payment as required by guidelines. This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302837349 | 274_165_18739 | 18739 | Compliance |  | QM ATR Failure - Monthly DTI Ratio: DTI does not meet Lender Guideline requirements | <br> QM ATR Failure - Monthly DTI Ratio: DTI does not meet Lender Guideline requirements |  | (2022-08-22) The lender provided an updated 1003, 1008 and DU reflecting a higher qualifying income for the borrower, which includes bonus and other income (as per the WVOE), which are supported by >12 months of income. Finding cleared.<br> (2022-03-30) The lender provided an updated 1003, 1008 and DU reflecting a higher qualifying income for the borrower, which includes bonus and other income (as per the WVOE), which are supported by >12 months of income. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302737661 | 274_189_16059 | 16059 | Compliance |  | Initial Closing Disclosure timing requirement not met | CD provided reflecting proper timing. |  | (2022-04-19) CD provided reflecting proper timing.<br> (2022-04-19) The lender provided the initial CD dated and signed on XX/XX/XXXX, which provides the borrower full 3 days prior to consummation. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302737661 | 274_189_16061 | 16061 | Compliance |  | Initial Closing Disclosure timing requirement not met - missing consummation date | Initial CD provided meeting appropriate timing requirements. |  | (2022-04-19) Initial CD provided meeting appropriate timing requirements.<br> (2022-04-19) The lender provided the initial CD dated and signed on XX/XX/XXXX, which provides the borrower full 3 days prior to consummation. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302794548 | 274_223_1811 | 1811 | Credit |  | Insufficient asset documentation in file - assets do not cover closing costs |  |  | (2022-04-01) Lender provided updated bank statement. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302794548 | 274_223_18249 | 18249 | Credit |  | Missing Evidence of Self Employment - Borrower 1 S Corporation |  |  | (2022-04-01) Lender provided VVOE dated prior to close and business license. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302794548 | 274_223_18728 | 18728 | Compliance |  | QM ATR Failure - Current Assets: Asset/ Reserve amounts do not meet Lender Guideline requirements |  |  | (2022-04-01) Lender provided updated bank statement. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302794548 | 274_223_18731 | 18731 | Compliance |  | QM ATR Failure - Current Assets: Asset/ Reserve validation/verification standards do not meet requirements | QM ATR Failure - Current Assets: Asset/ Reserve validation/verification standards do not meet requirements |  | (2022-04-01) Lender provided updated bank statement. Finding cleared.<br> (2021-11-29) Verified assets of $123088.72 less cash to close $136034.01 and less unverified earnest money $0.00 results in $-12945.29 shortage of funds to close. This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302794548 | 274_223_18732 | 18732 | Compliance |  | QM ATR Failure - Employment documentation does not meet guideline requirements | QM ATR Failure - Employment documentation does not meet guideline requirements |  | (2022-04-01) Lender provided VVOE dated prior to close and business license. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302794548 | 274_223_18733 | 18733 | Compliance |  | QM ATR Failure - Employment validation/verification standards do not meet requirements | QM ATR Failure - Employment validation/verification standards do not meet requirements |  | (2022-04-01) Lender provided VVOE dated prior to close and business license. Finding cleared.<br> (2021-11-29) Borrower 1 is self-employed and is missing verification of self-employment dated within 30 prior to the Note date on the S corporation listed in position 1 on the application. This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302816233 | 274_233_16923 | 16923 | Credit |  | Hazard Insurance Shortfall | The hazard insurance policy in file reflected dwelling coverage of $XXXXXX.XX. The loan amount is $XXXXXX.XX which leaves a shortage of hazard insurance coverage for $XXX,XXX.XX. |  | (2022-04-04) The lender provided an Estimated Replacement cost sheet from the insurer, which indicates a value of $XXX,XXX.XX. Finding cleared.<br> (2022-03-22) Lender provided the Hazard Insurance Declaration page reflecting "Replacement Cost Coverage" and "Expanded Replacement Costs-20% ". If the coverage amount is less than the note amount: a) Provide explicit evidence of GUARANTEED replacement cost coverage - or- b) Provide a replacement cost estimator to evidence adequate dwelling coverage. Hazard Insurance coverage must be sufficient and in place at or prior to consummation. Condition remains. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302816233 | 274_233_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete |  |  | (2021-11-30) RESPA: AfBA Disclosure is Missing<br>This breach finding is non-material and will be rated a B grade.<br>(2021-11-04) This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 302816233 | 274_233_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete |  |  | (2021-11-30) RESPA: AfBA Disclosure is Missing<br>This breach finding is non-material and will be rated a B grade.<br>(2021-11-04) This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 303088940 | 295_220_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2021-11-03) This breach finding is non-material and will be rated a B grade. | Coborrower has XXXX years in field.; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 303088940 | 295_220_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2021-11-03) This breach finding is non-material and will be rated a B grade. | Coborrower has XXXX years in field.; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 302979355 | 295_222_18249 | 18249 | Credit |  | Missing Evidence of Self Employment - Borrower 1 S Corporation | Borrower 1 is self-employed and is missing verification of self-employment dated within 120 prior to the Note date on the S corporation listed in position 1 on the application. Documentation Requirements: Allow CPA Letter or Business License or other valid verification. Status of possible documentation for verification of self-employment: CPA letter is Not in File, Business license is dated after the note date, Other verification is Not in File. The note date is XX/XX/XXXX. ___ ___<br>The exception status is currently Active.<br> The lender provided a copy of the borrower's business license. However, in order to clear, the finding, a completed VVOE form is required. The finding is retained and updated.<br> The lender provided a valid VVOE dated post-closing, confirming the borrower's employment per the 1003. Since the VVOE is dated post-close and the QM testing on the subject loan is QM 2.0, the finding is downgraded. This breach finding is non-material and will be rated a B grade. |  | (2022-03-08) The lender provided a valid VVOE dated post-closing, confirming the borrower's employment per the 1003. Since the VVOE is dated post-close and the QM testing on the subject loan is QM 2.0, the finding is downgraded. This breach finding is non-material and will be rated a B grade.<br> (2022-03-01) The lender provided a copy of the borrower's business license. However, in order to clear, the finding, a completed VVOE form is required. The finding is retained and updated. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:620. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 302979355 | 295_222_1411 | 1411 | Credit |  | Missing YTD Profit & Loss for S-Corporation 1 (Borrower 1) | Borrower 1 is self-employed and the YTD Profit & Loss is either missing or not executed for the S-Corporation listed in position B1_SC1_ID_On_Application on the application. Profit & Loss in File: No |  | (2022-03-08) Lender provided business bank statement. CPA letter verifying YTD was in file. Finding cleared. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:620. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302979355 | 295_222_18726 | 18726 | Compliance |  | QM ATR Failure - Current Income: Income documentation does not meet requirements | QM ATR Failure - Current Income: Income documentation does not meet requirements |  | (2022-03-08) Lender provided business bank statement. CPA letter verifying YTD was in file. Finding cleared. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:620. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302979355 | 295_222_18733 | 18733 | Compliance |  | QM ATR Failure - Employment validation/verification standards do not meet requirements | QM ATR Failure - Employment validation/verification standards do not meet requirements<br>.<br> The exception status is currently Acknowledged by Client.<br> The Breach finding is a VHS fail, which is considered non-material and will be rated a B grade. |  | (2022-05-11) The Breach finding is a VHS fail, which is considered non-material and will be rated a B grade.<br> (2022-05-11) . | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:620. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 302979355 | 295_222_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2021-10-28) This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:620. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 302979355 | 295_222_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2021-10-28) This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:620. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 302866209 | 302_90_1412 | 1412 | Credit |  | Missing YTD Profit & Loss for Schedule C 1 Business (Borrower 1) | Borrower 1 is self-employed and the YTD Profit & Loss is either missing or not executed for the Schedule C business listed in position B1_SchedC1_ID_On_Application on the application. Profit & Loss in File: No<br>Per lender guidelines, the profit and loss statement must be dated no earlier than one month prior to application date and dated no older than 60 days old as of the note date. The P & L in file is good through XX/XX/XXXX, which is greater than one month prior to application date and older than 60 days prior to the note date. |  | (2021-11-05) Lender provided P&L with SCH XXXX and XXXX for borrower's SCH C business, condition cleared. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302866209 | 302_90_19054 | 19054 | Credit |  | Required Documentation is Missing | The loan file is missing tax transcripts as required per lender guidelines.<br>The loan file is missing tax transcripts as required per lender guidelines.<br> The loan file is missing tax transcripts as required per lender guidelines. |  | (2021-11-29) Lender provided XXXX 1040 with cover page from the CPA when the tax returns were e-filed since borrower has been self-employed over 10 years, only one year is needed and tax returns transcripts can be waived. Condition cleared. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302866209 | 302_90_18726 | 18726 | Compliance |  | QM ATR Failure - Current Income: Income documentation does not meet requirements | QM ATR Failure - Current Income: Income documentation does not meet requirements<br>The P & L in file is good through XX/XX/XXXX, which is greater than one month prior to application date and older than 60 days prior to the note date. |  | (2021-11-29) Lender provided XXXX 1040 with cover page from the CPA when the tax returns were e-filed since borrower has been self-employed over 10 years, only one year is needed and tax returns transcripts can be waived. Condition cleared. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302866209 | 302_90_18727 | 18727 | Compliance |  | QM ATR Failure - Current Income: Income validation/verification standards do not meet requirements | QM ATR Failure - Current Income: Income validation/verification standards do not meet requirements<br>This finding is non-material and will be rated a B grade.<br> The exception status is currently Acknowledged by Client.<br> P & L in file is good through XX/XX/XXXX, which is greater than one month prior to application date and older than 60 days prior to the note date. |  | (2021-11-29) Lender provided XXXX 1040 with cover page from the CPA when the tax returns were e-filed since borrower has been self-employed over 10 years, only one year is needed and tax returns transcripts can be waived. Condition cleared. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302860848 | 302_201_8197 | 8197 | Credit |  | Missing YTD Profit & Loss for S Corporation 1 (CoBorrower) | CoBorrower is self-employed and the YTD Profit & Loss is either missing or not executed for the S-Corporation listed in position CB_SC1_ID_On_Application on the application. Profit & Loss in File: No<br>The loan file is missing the prior year's (XXXX) P&L's statement for the borrowers' businesses, as the XXXX 1120-S returns have not been filed at the time of closing. The only business income docs in file are XXXX-XXXX 1120's and XXXX YTD P&L's, but none for XXXX. |  | (2021-12-20) The lender provided the XXXX YTD P&L. Finding cleared.<br> (2021-12-09) The lender provided XXXX YTD P&L's and XXXX bank statements, all of which are already found in the loan file. Still missing the XXXX income documentation, as required by DU "The income must be supported by personal and business income tax returns covering the most recent two-year period, including all tax schedules." Finding is retained. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302860848 | 302_201_7911 | 7911 | Credit |  | Missing YTD Profit & Loss for S Corporation 2 (Borrower 1) | Borrower 1 is self-employed and the YTD Profit & Loss is either missing or not executed for the S-Corporation listed in position B1_SC2_ID_On_Application on the application. Profit & Loss in File: No<br>The loan file is missing the prior year's (XXXX) P&L's statement for the borrowers' businesses, as the XXXX 1120-S returns have not been filed at the time of closing. The only business income docs in file are XXXX-XXXX 1120's and XXXX YTD P&L's, but none for XXXX. |  | (2021-12-20) The lender provided the XXXX YTD P&L. Finding cleared.<br> (2021-12-09) The lender provided XXXX YTD P&L's and XXXX bank statements, all of which are already found in the loan file. Still missing the XXXX income documentation, as required by DU "The income must be supported by personal and business income tax returns covering the most recent two-year period, including all tax schedules." Finding is retained. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302860848 | 302_201_8209 | 8209 | Credit |  | Missing YTD Profit & Loss for S Corporation 2 (CoBorrower) | CoBorrower is self-employed and the YTD Profit & Loss is either missing or not executed for the S-Corporation listed in position CB_SC2_ID_On_Application on the application. Profit & Loss in File: No<br>The loan file is missing the prior year's (XXXX) P&L's statement for the borrowers' businesses, as the XXXX 1120-S returns have not been filed at the time of closing. The only business income docs in file are XXXX-XXXX 1120's and XXXX YTD P&L's, but none for XXXX. |  | (2021-12-20) The lender provided the XXXX YTD P&L. Finding cleared.<br> (2021-12-09) The lender provided XXXX YTD P&L's and XXXX bank statements, all of which are already found in the loan file. Still missing the XXXX income documentation, as required by DU "The income must be supported by personal and business income tax returns covering the most recent two-year period, including all tax schedules." Finding is retained. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302860848 | 302_201_7917 | 7917 | Credit |  | Missing YTD Profit & Loss for S Corporation 3 (Borrower 1) | Borrower 1 is self-employed and the YTD Profit & Loss is either missing or not executed for the S-Corporation listed in position B1_SC3_ID_On_Application on the application. Profit & Loss in File: No<br>The loan file is missing the prior year's (XXXX) P&L's statement for the borrowers' businesses, as the XXXX 1120-S returns have not been filed at the time of closing. The only business income docs in file are XXXX-XXXX 1120's and XXXX YTD P&L's, but none for XXXX. |  | (2021-12-20) The lender provided the XXXX YTD P&L. Finding cleared.<br> (2021-12-09) The lender provided XXXX YTD P&L's and XXXX bank statements, all of which are already found in the loan file. Still missing the XXXX income documentation, as required by DU "The income must be supported by personal and business income tax returns covering the most recent two-year period, including all tax schedules." Finding is retained. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302860848 | 302_201_1411 | 1411 | Credit |  | Missing YTD Profit & Loss for S-Corporation 1 (Borrower 1) | Borrower 1 is self-employed and the YTD Profit & Loss is either missing or not executed for the S-Corporation listed in position B1_SC1_ID_On_Application on the application. Profit & Loss in File: No<br>The loan file is missing the prior year's (XXXX) P&L's statement for the borrowers' businesses, as the XXXX 1120-S returns have not been filed at the time of closing. The only business income docs in file are XXXX-XXXX 1120's and XXXX YTD P&L's, but none for XXXX. |  | (2021-12-20) The lender provided the 2021 YTD P&L. Finding cleared.<br> (2021-12-09) The lender provided XXXX YTD P&L's and XXXX bank statements, all of which are already found in the loan file. Still missing the XXXX income documentation, as required by DU "The income must be supported by personal and business income tax returns covering the most recent two-year period, including all tax schedules." Finding is retained. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302860848 | 302_201_19054 | 19054 | Credit |  | Required Documentation is Missing | The loan file is missing the XXXX income documentation, as required by DU "The income must be supported by personal and business income tax returns covering the most recent two-year period, including all tax schedules." |  | (2022-01-25) Lender provided personal and business returns for XXXX with W2s 2020 for both borrowers. Conditon cleared. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302860848 | 302_201_-96348 | -96348 | Compliance |  | Lender Credits That Cannot Decrease Test | This loan passed the lender credits that cannot decrease test. (12 CFR Â§1026.19(e)(3)(i))The loan contains lender credits that do not exceed the good faith determination according to Â§1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) exceeds or equals the comparable sum of specific and non-specific lender credits ($0.00). 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 Â§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 Â§1026.19(e)(1)(i). This loan passed the lender credits that cannot decrease test. (12 CFR Â§1026.19(e)(3)(i))The loan contains lender credits that do not exceed the good faith determination according to Â§1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) exceeds or equals the comparable sum of specific and non-specific lender credits ($0.00). 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 Â§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 Â§1026.19(e)(1)(i). |  | (2022-03-03) Finding cleared. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302860848 | 302_201_18726 | 18726 | Compliance |  | QM ATR Failure - Current Income: Income documentation does not meet requirements | QM ATR Failure - Current Income: Income documentation does not meet requirements<br>The loan file is missing the prior year's (XXXX) P&L's statement for the borrowers' businesses, as the XXXX 1120-S returns have not been filed at the time of closing. The only business income docs in file are XXXX-XXXX 1120's and XXXX YTD P&L's, but none for XXXX. |  | (2022-01-25) Lender provided personal and business returns for XXXX with W2s XXXX for both borrowers to meet guideline requirements Conditon cleared.<br> (2021-12-20) Once again, the lender provided XXXX YTD P&L's, of which are already found in the loan file. Still missing the XXXX income documentation, as required by DU "The income must be supported by personal and business income tax returns covering the most recent two-year period, including all tax schedules." Finding is retained.<br> (2021-12-09) The lender provided XXXX YTD P&L's and XXXX bank statements, all of which are already found in the loan file. Still missing the XXXX income documentation, as required by DU "The income must be supported by personal and business income tax returns covering the most recent two-year period, including all tax schedules." Finding is retained. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302860848 | 302_201_18727 | 18727 | Compliance |  | QM ATR Failure - Current Income: Income validation/verification standards do not meet requirements | QM ATR Failure - Current Income: Income validation/verification standards do not meet requirements<br>.<br> The exception status is currently Acknowledged by Client.<br> The loan file is missing the prior year's (XXXX) P&L's statement for the borrowers' businesses, as the XXXX 1120-S returns have not been filed at the time of closing. The only business income docs in file are XXXX-XXXX 1120's and XXXX YTD P&L's, but none for XXXX. This breach finding is non-material and will be rated a B grade. |  | (2022-03-03) Documentation received. Finding cleared.<br> (2021-12-20) Once again, the lender provided XXXX YTD P&L's, of which are already found in the loan file. Still missing the XXXX income documentation, as required by DU "The income must be supported by personal and business income tax returns covering the most recent two-year period, including all tax schedules." Finding is retained. This breach finding is non-material and will be rated a B grade.<br> (2021-12-09) The lender provided XXXX YTD P&L's and XXXX bank statements, all of which are already found in the loan file. Still missing the XXXX income documentation, as required by DU "The income must be supported by personal and business income tax returns covering the most recent two-year period, including all tax schedules." Finding is retained. This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 302860848 | 302_201_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2022-05-11) This breach finding is non-material and will be rated a B grade.<br> (2022-05-11) . | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 302860848 | 302_201_-99349 | -99349 | Compliance |  | TILA Finance Charge Test | This loan passed the TILA finance charge test.(12 CFR Â§1026.38(o)(2))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is considered accurate because:It is understated by no more than $100; orIt is greater than the amount required to be disclosed.<br>The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $100.<br> The final CD dated XX/XX/XXXX reflects a finance charge of $XXX,XXX.XX, down from the CD dated XX/XX/XXXX with a finance charge of $XXX,XXX.XX, where the difference is $X,XXX.XX. This is the amount of the Origination points, which was reflected on all the LE's/CD's. However, it appears that this charge was excluded from the finance charge calculation on the final CD. |  | (2022-03-03) Finding cleared.<br> (2022-02-22) The lender provided a Post CD reflecting changes in Finance Charge but is still missing evidence of Refund of $2482.33 to the Borrower, letter of explanation and proof of delivery to the Borrower.<br> (2022-01-31) Lender resubmit the CD dated XX/XX/XXXX, which already present in the loan file, which shows Finance charge under disclosure is still active, see difference<br> - CD dated XX/XX/XXXX: Total loan costs in Section D = $8,254.33, including points of $2,482.33; Finance Charge = $670,085.55<br> - CD dated 7/22/21: Total loan costs in Section D = $8,304.33, including points of $2,482.33; Finance Charge = $XXX,XXX.XX, condition remains.<br> (2021-12-14) Client resubmitted CD from XX/XX/XXXX that has already been entered and reviewed. Finance charge under disclosure is still active. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303143073 | 314_172_1103 | 1103 | Credit |  | Loan amount exceeds the guideline maximum | Lender guidelines allow a maximum loan amount of $1000000.00, per the loan approval and Note, the subject loan amount is $XXXXXXX.XX. |  | (2021-12-27) Per the updated Retail jumboAdvantage Express matrix, dated 07/23/2021, the loan meets the Loan amount guideline parameters. Finding cleared. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303143073 | 314_172_19042 | 19042 | Credit |  | Transaction Ineligible | Loan was a primary residence purchase with a XXXX credit score, a loan amount of $X,XXX,XXX.XX and an LTV of XXXX%. This loan did not meet the matrix requirements of the LoanDepot Jumbo Advantage Express guidelines. |  | (2021-12-27) Per the updated Retail jumboAdvantage Express matrix, dated 07/23/2021, the loan meets the Loan amount guideline parameters. Finding cleared. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303106678 | 314_200_18213 | 18213 | Credit |  | Missing Evidence of Self Employment - Borrower 1 Partnership | Borrower 1 is self-employed and is missing verification of self-employment dated within 30 prior to the Note date on the partnership listed in position 3 on the application. Documentation Requirements: Allow CPA Letter or Business License or other valid verification. Status of possible documentation for verification of self-employment: CPA letter is Not in File, Business license is Not in File, Other verification is Not in File. The note date is XX/XX/XXXX. ___ ___ |  | (2022-01-18) Lender provide other verification of employment thru Business Search. Document is deem acceptable, condition cleared. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303106678 | 314_200_18249 | 18249 | Credit |  | Missing Evidence of Self Employment - Borrower 1 S Corporation | Borrower 1 is self-employed and is missing verification of self-employment dated within 30 prior to the Note date on the S corporation listed in position 3 on the application. Documentation Requirements: Allow CPA Letter or Business License or other valid verification. Status of possible documentation for verification of self-employment: CPA letter is Not in File, Business license is dated after the note date, Other verification is Not in File. The note date is XX/XX/XXXX. ___ ___ |  | (2022-01-18) Lender provided business license for borrower's S Corp, condition cleared. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303106678 | 314_200_18732 | 18732 | Compliance |  | QM ATR Failure - Employment documentation does not meet guideline requirements | QM ATR Failure - Employment documentation does not meet guideline requirements |  | (2022-02-24) Condition Cleared.<br> (2021-12-23) Client provided LOE stating "the business in question is Schedule C real estate. The tax returns show a loss which is also confirmed by the transcripts in file. The negative income was subtracted out of the qualifying income. Therefore, there was no income for this business that was used to add income for qualifying." Loan file is missing evidence of self-employment for the borrower's partnership and for the borrower's S Corp. Condition is still active. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303106678 | 314_200_18733 | 18733 | Compliance |  | QM ATR Failure - Employment validation/verification standards do not meet requirements | QM ATR Failure - Employment validation/verification standards do not meet requirements<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2021-11-30) This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 303200467 | 314_133_1103 | 1103 | Credit |  | Loan amount exceeds the guideline maximum | Lender guidelines allow a maximum loan amount of $1000000.00, per the loan approval and Note, the subject loan amount is $X,XXX,XXX.XX. |  | (2021-12-10) Lender provided an updated Wholesale matrix. Loan amount requirement has been met. Condition cleared. | Coborrower has XXXX years in field.; UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303200467 | 314_133_19054 | 19054 | Credit |  | Required Documentation is Missing | The loan file is missing evidence of current value for the departure residence in order to meet the minimum equity of 75%. The verified purchase price calculates net equity at XXXX% which does not meet the Lender guidelines. |  | (2022-04-06) The lender provided a Change Communication document date XX/XX/XXXX, which precedes the Note date. This document indicates that the equity requirement for maximum LTV of 75% on the departure property has been discontinued. Finding cleared. | Coborrower has XXXX years in field.; UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303200467 | 314_133_19042 | 19042 | Credit |  | Transaction Ineligible | Loan was a primary residence purchase with a XXXX credit score, a loan amount of $X,XXX,XXX.XX and an LTV of XXXX%. This loan did not meet the matrix requirements of the LoanDepot Jumbo Advantage Express guidelines. |  | (2021-12-10) Lender provided an updated Wholesale matrix. Loan amount requirement has been met. Condition cleared. | Coborrower has XXXX years in field.; UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303200467 | 314_133_-96366 | -96366 | Compliance |  | Charges That Cannot Increase Test | This loan passed the charges that cannot increase test. (12 CFR Â§1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to Â§1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to Â§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 Â§1026.19(e)(1)(i).<br>The initial LE disclosed the credit report fee of $60.00 however the final CD reflected a credit report fee of $XXXX. |  | (2022-04-15) The lender provided a PCCD with a lender credit of $1.00, an LOE, copy of the refund check and the shipping label. Finding cleared. | Coborrower has XXXX years in field.; UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303200467 | 314_133_-96562 | -96562 | Compliance |  | Dual Broker Compensation Test | This loan passed the Dual Broker Compensation Test. (12 CFR Â§1026.36(d)(2))This loan has borrower paid broker compensation of $XXXX and broker compensation paid by another party of $0.00.This loan does not contain compensation to the broker from both the borrower and lender for loan origination activities. If any loan originator receives compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan originator shall receive compensation, directly or indirectly, from any other person other than the consumer in connection with the transaction for loan origination activities. This loan passed the Dual Broker Compensation Test. (12 CFR Â§1026.36(d)(2))This loan has borrower paid broker compensation of $9,003.00 and broker compensation paid by another party of $0.00.This loan does not contain compensation to the broker from both the borrower and lender for loan origination activities. If any loan originator receives compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan originator shall receive compensation, directly or indirectly, from any other person other than the consumer in connection with the transaction for loan origination activities. |  | (2022-04-15) The lender provided an updated CD reflecting all the fees in Sec. B as payable to the applicable 3rd party service providers. Finding cleared. | Coborrower has XXXX years in field.; UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303200467 | 314_133_-96362 | -96362 | Compliance |  | Reimbursement Amount Test | This loan passed the reimbursement amount test. (12 CFR Â§1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $0.00.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under Â§1026.19(e)(3)(i) or (ii), the creditor complies with Â§1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with Â§1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation.<br>The initial LE disclosed the credit report fee of $XXXX however the final CD reflected a credit report fee of $XXXX. The Lender provided a cure of $XXXX which is insufficient by $XXXX. An additional tolerance cure of $XXXX is required. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. |  | (2022-04-15) The lender provided a PCCD with a lender credit of $1.00, an LOE, copy of the refund check and the shipping label. Finding cleared. | Coborrower has XXXX years in field.; UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303200467 | 314_133_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2021-11-15) This breach finding is non-material and will be rated a B grade. | Coborrower has XXXX years in field.; UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 303200467 | 314_133_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2021-11-12) This breach finding is non-material and will be rated a B grade. | Coborrower has XXXX years in field.; UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 303200467 | 314_133_-96375 | -96375 | Compliance |  | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.<br>The Credit Report fee and the 2nd appraisal fee in Section B of the final Closing Disclosure is paid to the Broker and should be paid to the service provider or FBO the service provider. Provide corrected CD and letter of explanation to the Borrower. |  | (2022-04-15) The lender provided a PCCD with a lender credit of $1.00, an LOE, copy of the refund check and the shipping label. Finding cleared. | Coborrower has XXXX years in field.; UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303257425 | 325_110_17355 | 17355 | Credit |  | Missing Paystubs (CoBorrower) | CoBorrower is missing Paystubs for the job listed in position 1 on the application |  | (2022-02-17) The lender provided a paystub dated XX/XX/XXXX for the coborrower. The income reported on the paystub supports the qualifying income. Finding cleared. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303257425 | 325_110_1307 | 1307 | Credit |  | Sales contract figures are not consistent with figures on the HUD or Closing Disclosure | Closing disclosure or HUD-1 figures do not match the sales contract.<br> Discrepancy in the Sales Price: Yes<br> Discrepancy in the Earnest Money Deposit: No<br> Discrepancy in the Seller Credits: No<br> Other Discrepancy: No |  | (2022-02-17) The lender provided the purchase contract addendum with the final purchase price of $XXX,XXX.XX, which matches the CD. Finding cleared. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303257425 | 325_110_18726 | 18726 | Compliance |  | QM ATR Failure - Current Income: Income documentation does not meet requirements | QM ATR Failure - Current Income: Income documentation does not meet requirements<br>Missing current paystub for Co-borrower |  | (2022-02-17) The lender provided a paystub dated XX/XX/XXXX for the coborrower. The income reported on the paystub supports the qualifying income. Finding cleared.<br> (2021-12-17) Missing current paystub for Co-borrower | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303257425 | 325_110_18727 | 18727 | Compliance |  | QM ATR Failure - Current Income: Income validation/verification standards do not meet requirements | QM ATR Failure - Current Income: Income validation/verification standards do not meet requirements<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2022-02-17) The lender provided a paystub dated XX/XX/XXXX for the coborrower. The income reported on the paystub supports the qualifying income. Finding cleared.<br> (2021-12-17) This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303257425 | 325_110_10160 | 10160 | Compliance |  | Sales Price on Purchase Contract does not match Closing Disclosure / HUD-1 | Sales Price on Purchase Contract does not match Closing Disclosure / HUD-1 |  | (2022-02-17) Updated documentation provided: Sales Price on Purchase Contract matches Closing Disclosure / HUD-1<br> (2022-02-17) The lender provided the purchase contract addendum with the final purchase price of $XXX,XXX.XX, which matches the CD. Finding cleared. | Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303232096 | 325_141_1126 | 1126 | Credit |  | CLTV exceeds guidelines | Lender guidelines requires a maximum CLTV of 80.00%. However, the current CLTV of the subject is XXXX%. The appraisal or sales price value used was $XXXXXXX.XX having a loan purpose of Purchase. |  | (2022-01-10) Lender provided updated guideline matrix. Condition cleared. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303232096 | 325_141_11547 | 11547 | Credit |  | Insufficient Reserves | Verified assets of $XXXX minus cash to close of $XXXX minus the unverified earnest money deposit of $0.00 equates to XXXX months of reserves, or $XXXX, which is less than the required XXXX months reserves, totaling $XXXX. |  | (2022-02-18) Lender provided documentation to meet guideline. Condition Cleared.<br> (2022-01-20) Client provided XXXX XX XXXXXXX bank statement already being included in available reserves. Client also provided CD from cash out refinance dated XX/XX/XXXX. Per LD Jumbo Adv - Guidelines 12.01.2021, "the following assets are ineligible for purposes of meeting the minimum reserve requirements: proceeds from a cash-out refinance, received within three months from the application date." The proceeds from the CD submitted cannot be used as reserves for this loan. Condition is still active. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303232096 | 325_141_1120 | 1120 | Credit |  | LTV exceeds guidelines | Lender guidelines requires a maximum LTV of<br> 80.00%. However, the current LTV of the subject is XXXX%. The appraisal or sales price value used was $X,XXX,XXX.XX having a loan purpose of Purchase. |  | (2022-01-10) Lender provided updated guideline matrix. Condition cleared. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303232096 | 325_141_19042 | 19042 | Credit |  | Transaction Ineligible | Loan was a second home purchase with a XXXX credit score, a loan amount of $X,XXX,XXX.XX and an LTV of XXXX%. This loan did not meet the matrix requirements of the LoanDepot Jumbo Advantage Express guidelines. |  | (2022-02-18) Lender provided documentation to meet guideline. Condition Cleared.<br> (2022-01-20) Client provided Bank of America bank statement already being included in available reserves. Client also provided CD from cash out refinance dated XX/XX/XXXX. Per LD Jumbo Adv - Guidelines 12.01.2021, "the following assets are ineligible for purposes of meeting the minimum reserve requirements: proceeds from a cash-out refinance, received within three months from the application date." The proceeds from the CD submitted cannot be used as reserves for this loan. Condition is still active.<br> (2022-01-10) Lender provided updated guideline matrix which cleared the LTV/CLTV issue; however, the new matrix required 6 months of Reserves. Borrower did not meet this requirement. Condition retained. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303232096 | 325_141_18728 | 18728 | Compliance |  | QM ATR Failure - Current Assets: Asset/ Reserve amounts do not meet Lender Guideline requirements | QM ATR Failure - Current Assets: Asset/ Reserve amounts do not meet Lender Guideline requirements |  | (2022-02-18) Lender provided documentation to meet guideline. Condition Cleared.<br> (2022-01-20) Client provided XXXX XX XXXXXXX bank statement already being included in available reserves. Client also provided CD from cash out refinance dated XX/XX/XXXX. Per LD Jumbo Adv - Guidelines 12.01.2021, "the following assets are ineligible for purposes of meeting the minimum reserve requirements: proceeds from a cash-out refinance, received within three months from the application date." The proceeds from the CD submitted cannot be used as reserves for this loan. Condition is still active. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303232096 | 325_141_18731 | 18731 | Compliance |  | QM ATR Failure - Current Assets: Asset/ Reserve validation/verification standards do not meet requirements | QM ATR Failure - Current Assets: Asset/ Reserve validation/verification standards do not meet requirements |  | (2022-01-10) This breach finding is non-material and will be rated a B grade. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 303325846 | 345_24_19054 | 19054 | Credit |  | Required Documentation is Missing | The loan file is missing the Master Insurance Policy for subject property.<br>The loan file is missing the Master Insurance Policy for subject property. |  | (2022-03-30) The lender provided an HOI policy for the subject property, with dwelling coverage and an ERC. Finding cleared.<br> (2022-01-19) The loan file is missing the Master Insurance Policy for subject property. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303085548 | 243_485_18436 | 18436 | Credit |  | Missing Evidence of Self Employment - CoBorrower S Corporation | CoBorrower is self-employed and is missing verification of self-employment dated within 120 prior to the Note date on the S corporation listed in position 1 on the application. Documentation Requirements: Allow CPA Letter or Business License or other valid verification. Status of possible documentation for verification of self-employment: CPA letter is Not in File, Business license is Not in File, Other verification is Not in File. The note date is XX/XX/XXXX. ___ ___ |  | (2022-03-31) Lender provided the documentation to meet guidelines. Condition Cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303085548 | 243_485_8197 | 8197 | Credit |  | Missing YTD Profit & Loss for S Corporation 1 (CoBorrower) | CoBorrower is self-employed and the YTD Profit & Loss is either missing or not executed for the S-Corporation listed in position CB_SC1_ID_On_Application on the application. Profit & Loss in File: No |  | (2022-04-14) The lender provided an updated 1003 and DU, removing the 2nd coborrower's S/E income. Per review of the XXXX-XXXX 1120-S returns, the income was on an upward trend and there is no evidence that it resulted in a negative income for XXXX. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303085548 | 243_485_19054 | 19054 | Credit |  | Required Documentation is Missing | The loan file is missing 3 months most recent business statements, a COVID 19 overlay. |  | (2022-03-31) The lender is no longer using Co-borrower positive self employment income. Condition Cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303085548 | 243_485_18726 | 18726 | Compliance |  | QM ATR Failure - Current Income: Income documentation does not meet requirements | QM ATR Failure - Current Income: Income documentation does not meet requirements |  | (2022-04-14) The lender provided an updated 1003 and DU, removing the 2nd coborrower's S/E income. Per review of the XXXX-XXXX 1120-S returns, the income was on an upward trend and there is no evidence that it resulted in a negative income for XXXX. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303085548 | 243_485_18727 | 18727 | Compliance |  | QM ATR Failure - Current Income: Income validation/verification standards do not meet requirements | QM ATR Failure - Current Income: Income validation/verification standards do not meet requirements<br>.<br>The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2022-04-14) The lender provided an updated 1003 and DU, removing the 2nd coborrower's S/E income. Per review of the XXXX-XXXX 1120-S returns, the income was on an upward trend and there is no evidence that it resulted in a negative income for 2021. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303085548 | 243_485_18732 | 18732 | Compliance |  | QM ATR Failure - Employment documentation does not meet guideline requirements | QM ATR Failure - Employment documentation does not meet guideline requirements |  | (2022-03-31) Lender provided documentation. Condition cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303085548 | 243_485_18733 | 18733 | Compliance |  | QM ATR Failure - Employment validation/verification standards do not meet requirements | QM ATR Failure - Employment validation/verification standards do not meet requirements<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2022-03-31) Lender provided documentation. Condition cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303025808 | 243_786_18040 | 18040 | Credit |  | Missing 3rd Party Verbal Verification of Employment (Borrower) | Missing 3rd Party Verbal Verification of Employment dated within 10 Business days prior to the Note date for Borrower's job in position 1 on the application. Status of possible documentation for verification of employment: VVOE dated after the note date, Employment Letter Not in file, WVOE dated more than the maximum allowable days prior to the Note date. The note date is XX/XX/XXXX. ___ ___<br>The exception status is currently Active.<br> The lender provided a valid VVOE, confirming the borrower's employment per the 1003. Since the VVOE is dated post-close and the QM testing on the subject loan is QM 2.0, the finding is downgraded. This breach finding is non-material and will be rated a B grade. |  | (2022-02-01) The lender provided a valid VVOE, confirming the borrower's employment per the 1003. Since the VVOE is dated post-close and the QM testing on the subject loan is QM 2.0, the finding is downgraded. This breach finding is non-material and will be rated a B grade. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 303025808 | 243_786_18732 | 18732 | Compliance |  | QM ATR Failure - Employment documentation does not meet guideline requirements | QM ATR Failure - Employment documentation does not meet guideline requirements |  | (2022-02-11) Lender provided VVOE. Finding cleared. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303025808 | 243_786_18733 | 18733 | Compliance |  | QM ATR Failure - Employment validation/verification standards do not meet requirements | QM ATR Failure - Employment validation/verification standards do not meet requirements<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2022-02-11) Lender provided VVOE. Finding cleared.<br> (2022-02-02) This breach finding is non-material and will be rated a B grade.<br> (2022-01-13) This breach finding is non-material and will be rated a B grade. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303075890 | 243_798_18049 | 18049 | Credit |  | Missing 3rd Party Verbal Verification of Employment (CoBorrower) | Missing 3rd Party Verbal Verification of Employment dated within 10 Business days prior to the Note date for CoBorrower's job in position 1 on the application. Status of possible documentation for verification of employment: VVOE Not in file, Employment Letter Not in file, WVOE Not in file. The note date is XX/XX/XXXX. ___ ___ |  | (2022-02-24) Lender provided VVOE. Condition cleared. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303075890 | 243_798_17468 | 17468 | Compliance |  | ECOA: Appraisal Not Provided to Applicant | ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant.<br>.<br> The exception status is currently Active.<br> This breach finding is deemed non-material and will be rated a B grade.<br> ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. |  | (2022-03-07) The lender provided evidence that the appraisal was delivered to the borrower on XX/XX/XXXX. Finding cleared.<br> (2022-01-18) ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant.<br> (2022-01-13) This breach finding is deemed non-material and will be rated a B grade. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303075890 | 243_798_17470 | 17470 | Compliance |  | ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely | ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely |  | (2022-03-07) The lender provided evidence that the appraisal was delivered to the borrower on XX/XX/XXXX. Finding cleared. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303075890 | 243_798_18732 | 18732 | Compliance |  | QM ATR Failure - Employment documentation does not meet guideline requirements | QM ATR Failure - Employment documentation does not meet guideline requirements |  | (2022-02-24) Lender provided VVOE. Condition cleared. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303075890 | 243_798_18733 | 18733 | Compliance |  | QM ATR Failure - Employment validation/verification standards do not meet requirements | QM ATR Failure - Employment validation/verification standards do not meet requirements<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is deemed non-material and will be rated a B grade. |  | (2022-02-24) Lender provided VVOE. Condition cleared.<br> (2022-01-13) This breach finding is deemed non-material and will be rated a B grade. | UW Guides require XXXX months reserves, loan qualified with XXXX months reserves.; Primary borrower has XXXX years in field. ; Borrower has XXXX years self employed.; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303106679 | 243_806_2594 | 2594 | Credit |  | Rental history does not satisfy guidelines | Rental history does not satisfy guidelines for lates. Rental history shows: 0 x 30 past due, 0 x 60 past due, 0 x 90 past due.<br>The file is missing a verification of rent for both the Borrower and Co-Borrower. |  | (2022-02-18) The lender provided 13 months of the borrower's bank statements (from XX/XXXX to XX/XXXX), which reflect consistent monthly payments of $X,XXX.XX via checks (matches the rent payment on the 1003). This is sufficient to confirm the borrower's rental payment history. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303106679 | 243_806_2592 | 2592 | Credit |  | Verification of Rental History Missing or Incomplete | Guidelines require 12 months rental history. Rental history was either missing or incomplete with months available for review: 0 |  | (2022-02-18) The lender provided 13 months of the borrower's bank statements (from XX/XXXX to XX/XXXX), which reflect consistent monthly payments of $X,XXX.XX via checks (matches the rent payment on the 1003). This is sufficient to confirm the borrower's rental payment history. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303106679 | 243_806_18751 | 18751 | Compliance |  | QM ATR Failure - Credit History: Rental history does not meet Lender Guideline requirements | QM ATR Failure - Credit History: Rental history does not meet Lender Guideline requirements<br>The file is missing a verification of rent for both the Borrower and Co-Borrower. |  | (2022-02-18) The lender provided 13 months of the borrower's bank statements (from XX/XXXX to XX/XXXX), which reflect consistent monthly payments of $X,XXX.XX via checks (matches the rent payment on the 1003). This is sufficient to confirm the borrower's rental payment history. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303106679 | 243_806_18752 | 18752 | Compliance |  | QM ATR Failure - Credit History: Rental payment history documentation validation/verification standards do not meet requirements | QM ATR Failure - Credit History: Rental payment history documentation validation/verification standards do not meet requirements<br>.<br> The exception status is currently Acknowledged by Client.<br> The file is missing a verification of rent for both the Borrower and Co-Borrower.<br> This breach finding is non-material and will be rated a B grade. |  | (2022-02-18) The lender provided 13 months of the borrower's bank statements (from XX/XXXX to XX/XXXX), which reflect consistent monthly payments of $X,XXX.XX via checks (matches the rent payment on the 1003). This is sufficient to confirm the borrower's rental payment history. Finding cleared.<br> (2022-01-14) This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303106675 | 243_517_2594 | 2594 | Credit |  | Rental history does not satisfy guidelines | Rental history does not satisfy guidelines for lates. Rental history shows: 0 x 30 past due, 0 x 60 past due, 0 x 90 past due.<br>The file is missing verification of 0 x 12 rental history |  | (2022-02-07) Lender provided LOX for rental payments varying and accepted bank transaction history to show last 12 months payments from checking account. Finding cleared.<br> (2022-01-18) Lender provided same proof of rental history for 12 months, which is present in the loan file since the payments are not consistent, need to get a lease to show variable payments are allowed. Condition remains. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303106675 | 243_517_2592 | 2592 | Credit |  | Verification of Rental History Missing or Incomplete | Guidelines require 12 months rental history. Rental history was either missing or incomplete with months available for review: 0<br>The file is missing verification of 0 x 12 rental history. |  | (2022-02-07) Lender provided LOX for rental payments varying and accepted bank transaction history to show last 12 months payments from checking account. Finding cleared.<br> (2022-01-18) Lender provided same proof of rental history for 12 months, which is present in the loan file since the payments are not consistent, need to get a lease to show variable payments are allowed. Condition remains. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303106675 | 243_517_18752 | 18752 | Compliance |  | QM ATR Failure - Credit History: Rental payment history documentation validation/verification standards do not meet requirements | QM ATR Failure - Credit History: Rental payment history documentation validation/verification standards do not meet requirements<br>.<br> The exception status is currently Acknowledged by Client.<br> Missing 12 months of rental history, as required by the Lender's Guidelines. This breach finding is non-material and will be rated a B grade. |  | (2022-02-07) Lender provided LOX for rental payments varying and accepted bank transaction history to show last 12 months payments from checking account. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303010416 | 243_538_928 | 928 | Credit |  | Incomplete Mortgage/Deed of Trust | All pages of the Mortgage/Deed of Trust were not provided.<br>Missing page 12 of 12 (Notary page) |  | (2022-03-23) The lender provided the complete executed DOT, including the notary stamp. Finding cleared. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303010416 | 243_538_1456 | 1456 | Credit |  | Missing Evidence of Insurance for REO1 | Missing Evidence of Insurance for property 1 on final application |  | (2022-03-30) The lender provided a valid and active HOI policy for REO1 @ #XXXXX. Finding cleared.<br> (2022-03-23) The lender provided an HOI policy for REO1 @ #XXXXX, which expired on 11/4/2020, prior to the loan closing on XX/XX/XXXX. Please provide an HOI policy that was active at the time of the subject closing. Finding is retained. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> D<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303010416 | 243_538_18737 | 18737 | Compliance |  | QM ATR Failure - Monthly Debt Obligations taken into consideration do not meet requirements | QM ATR Failure - Monthly Debt Obligations taken into consideration do not meet requirements |  | (2022-03-30) The lender provided a valid and active HOI policy for REO1 @ #XXXXX. Finding cleared.<br> (2022-03-23) The lender provided an HOI policy for REO1 @ #XXXXX, which expired on 11/4/2020, prior to the loan closing on XX/XX/XXXX. Please provide an HOI policy that was active at the time of the subject closing. Finding is retained. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 3 | 3 | 1 | 1<br> C<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303010416 | 243_538_18738 | 18738 | Compliance |  | QM ATR Failure - Monthly Debt Obligations validation/verification standards do not meet requirements | QM ATR Failure - Monthly Debt Obligations validation/verification standards do not meet requirements<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2022-03-30) The lender provided a valid and active HOI policy for REO1 @ #XXXXX. Finding cleared.<br> (2022-03-22) This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Cleared | 2 | 2 | 1 | 1<br> B<br> A | Yes |  |
| XXXX | XXXX | XXXX | 303010416 | 243_538_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2022-03-22) This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 303010416 | 243_538_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2022-03-22) This breach finding is non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of 45.00%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:720. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 303079030 | 243_841_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This finding is deemed non-material and will be rated a B grade. |  | (2022-01-11) This finding is deemed non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of XXXX%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |
| XXXX | XXXX | XXXX | 303079030 | 243_841_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This finding is deemed non-material and will be rated a B grade. |  | (2022-01-11) This finding is deemed non-material and will be rated a B grade. | Primary borrower has XXXX years in field. ; UW guides maximum DTI of XXXX%, loan qualified with DTI of XXXX%. ; FICO is higher than guidelines. FICO is: XXXX and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2<br> B | Yes |  |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Loan Number** | **Customer Loan ID** | **Alt ID** | **Initial Loan Grade** | **Opus Max Initial Grade** | **Final Loan Grade** | **Opus Max Grade** |
| XXXX | XXXX | XXXX | 302774629 | 3 | 3 | 1 | 1<br> D<br> A |
| XXXX | XXXX | XXXX | 302700702 | 1 | 1 | 1 | 1<br> A |
| XXXX | XXXX | XXXX | 302866211 | 3 | 3 | 1 | 1<br> C<br> A |
| XXXX | XXXX | XXXX | 302816254 | 1 | 1 | 1 | 1<br> A |
| XXXX | XXXX | XXXX | 302805701 | 3 | 3 | 1 | 1<br> D<br> A<br> C |
| XXXX | XXXX | XXXX | 302837349 | 3 | 3 | 1 | 1<br> C<br> A |
| XXXX | XXXX | XXXX | 302737661 | 3 | 3 | 1 | 1<br> C<br> A |
| XXXX | XXXX | XXXX | 302794548 | 3 | 3 | 1 | 1<br> D<br> A<br> C |
| XXXX | XXXX | XXXX | 302816233 | 3 | 3 | 2 | 2<br> C<br> B<br> A |
| XXXX | XXXX | XXXX | 303088940 | 2 | 2 | 2 | 2<br> B<br> A |
| XXXX | XXXX | XXXX | 302979355 | 3 | 3 | 2 | 2<br> D<br> B<br> C<br> A |
| XXXX | XXXX | XXXX | 302784737 | 1 | 1 | 1 | 1<br> A |
| XXXX | XXXX | XXXX | 302866209 | 2 | 2 | 1 | 1<br> B<br> A |
| XXXX | XXXX | XXXX | 302869743 | 1 | 1 | 1 | 1<br> A |
| XXXX | XXXX | XXXX | 302860848 | 3 | 3 | 2 | 2<br> D<br> B<br> A<br> C |
| XXXX | XXXX | XXXX | 303143073 | 3 | 3 | 1 | 1<br> C<br> A |
| XXXX | XXXX | XXXX | 303106678 | 3 | 3 | 2 | 2<br> D<br> B<br> A<br> C |
| XXXX | XXXX | XXXX | 303200467 | 3 | 3 | 2 | 2<br> D<br> B<br> A<br> C |
| XXXX | XXXX | XXXX | 303257425 | 3 | 3 | 1 | 1<br> D<br> A<br> C |
| XXXX | XXXX | XXXX | 303232096 | 3 | 3 | 2 | 2<br> C<br> B<br> A |
| XXXX | XXXX | XXXX | 303237358 | 1 | 1 | 1 | 1<br> A |
| XXXX | XXXX | XXXX | 303325846 | 3 | 3 | 1 | 1<br> D<br> A |
| XXXX | XXXX | XXXX | 302938610 | 1 | 1 | 1 | 1<br> A |
| XXXX | XXXX | XXXX | 303085548 | 3 | 3 | 1 | 1<br> D<br> A<br> C |
| XXXX | XXXX | XXXX | 303025808 | 3 | 3 | 2 | 2<br> C<br> B<br> A |
| XXXX | XXXX | XXXX | 303075890 | 3 | 3 | 1 | 1<br> D<br> A<br> C |
| XXXX | XXXX | XXXX | 303106679 | 3 | 3 | 1 | 1<br> D<br> A<br> C |
| XXXX | XXXX | XXXX | 303106675 | 3 | 3 | 1 | 1<br> D<br> A<br> B |
| XXXX | XXXX | XXXX | 303010416 | 3 | 3 | 2 | 2<br> D<br> B<br> A<br> C |
| XXXX | XXXX | XXXX | 303079030 | 2 | 2 | 2 | 2<br> B<br> A |

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| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Loan Number** | **Customer Loan ID** | **Alt ID** | **Channel** | **Rate Lock Date** | **Application Date** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Residual Income** | **Points And Fees** | **Points And Fees Without Reductions** | **APR** | **Qualifying Interest Rate** | **Average Prime Offer Rate** | **GSE Eligibility** | **Originator QM/ATR Status** | **TPR QM/ATR Status** | **QM2.0 VSH Status** | **Non QM Reason** | **TRID** |
| XXXX | XXXX | XXXX | 302774629 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $XX,XXX.XX | 895 | 895 | 0.038 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302700702 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $XX,XXX.XX | 11258 | 11258 | 0.034 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302866211 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Unemployed | US | US | $XX,XXX.XX | 1245 | 1245 | 0.038 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302816254 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 0 | 0 | 0.040 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302805701 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 9497 | 9497 | 0.040 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302837349 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | Permanent Resident Alien | US | $XX,XXX.XX | 1465 | 1465 | 0.039 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302737661 | Correspondent Bulk | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $XX,XXX.XX | 15082 | 15082 | 0.035 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302794548 | Broker | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $XX,XXX.XX | 21081 | 21081 | 0.040 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302816233 | Broker | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $XX,XXX.XX | 14461 | 14461 | 0.034 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303088940 | Broker | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 4769 | 4769 | 0.042 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302979355 | Broker | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $XX,XXX.XX | 395 | 395 | 0.035 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | NVSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302784737 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 9165 | 9165 | 0.036 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302866209 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $XX,XXX.XX | 11437 | 11437 | 0.039 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302869743 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 1465 | 1465 | 0.033 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302860848 | Correspondent Flow with delegated underwriting | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 4042 | 4042 | 0.034 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303143073 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Unemployed | US | US | $XX,XXX.XX | 1361 | 1361 | 0.043 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303106678 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Unemployed | US | US | $XX,XXX.XX | 1345 | 1345 | 0.039 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | NVSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303200467 | Broker | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 31492 | 31492 | 0.032 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303257425 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 12243 | 12243 | 0.036 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303232096 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $XX,XXX.XX | 1150 | 1150 | 0.041 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | NVSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303237358 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 8171 | 8171 | 0.045 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303325846 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $XX,XXX.XX | 1565 | 1565 | 0.038 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 302938610 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $XX,XXX.XX | 3163 | 3163 | 0.034 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303085548 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 1465 | 1465 | 0.032 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303025808 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 1345 | 1345 | 0.034 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303075890 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 1565 | 1565 | 0.034 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303106679 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 1465 | 1465 | 0.038 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303106675 | Retail | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $XX,XXX.XX | 1540 | 1540 | 0.034 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303010416 | Broker | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | Permanent Resident Alien | US | $XX,XXX.XX | 19923 | 19923 | 0.037 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |
| XXXX | XXXX | XXXX | 303079030 | Broker | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $XX,XXX.XX | 8059 | 8059 | 0.036 | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | TRID |

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| **Loan Information**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Loan Information**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Loan Information**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Loan Information**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Loan Information**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Loan Information**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **AVM Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AVM Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AVM Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AVM Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AVM Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AVM Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AVM Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AVM Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Desk Review Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Desk Review Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Desk Review Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Desk Review Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Desk Review Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Other Updated Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other Updated Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other Updated Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other Updated Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other Updated Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | |
| **Customer Loan ID** | **Seller Loan ID** | **Loan Number** | **Alt ID** | **Original Loan Amount** | **Sale Price** | **Appraisal Value** | **Appraisal Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Date** | **Second Appraisal Type** | **Field Review Value** | **Field Review Date** | **Recertification Value** | **Recertification Date** | **Variance Amount** | **Variance Percent** | **Value Used for LTV** | **Estimated Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Company** | **Model Name** | **Confidence Score** | **FSD Score** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Company** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value Updated** | **Value Date** | **Report Type** | **Variance Amount** | **Variance Percent** | **Collateral Underwriter/Loan Collateral Advisor Risk Score** |
| XXXX | XXXX | XXXX | 302774629 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | XXXX | XXXX | 302700702 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $XXX,XXX.XX | XX/XX/XXXX | $0.00 | 0.00% | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.0 |
| XXXX | XXXX | XXXX | 302866211 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | XXXX | XXXX | 302816254 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | Form 1073 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | XXXX | XXXX | 302805701 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | XXXX | XXXX | 302837349 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $XXX,XXX.XX | XX/XX/XXXX | $0.00 | 0.00% | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |
| XXXX | XXXX | XXXX | 302737661 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $XXX,XXX.XX | XX/XX/XXXX | $XXX,XXX.XX | XX.XX% | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | XXXX | XXXX | 302794548 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | XXXX | XXXX | 302816233 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.0 |
| XXXX | XXXX | XXXX | 303088940 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $XXX,XXX.XX | XX/XX/XXXX | $0.00 | 0.00% | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | XXXX | XXXX | 302979355 | $XXX,XXX.XX |  | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | XXXX | XXXX | 302784737 | $XXX,XXX.XX |  | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | XXXX | XXXX | 302866209 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $XXX,XXX.XX | XX/XX/XXXX | $0.00 | 0.00% | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 |
| XXXX | XXXX | XXXX | 302869743 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.0 |
| XXXX | XXXX | XXXX | 302860848 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $XXX,XXX.XX | XX/XX/XXXX | $0.00 | 0.00% | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | XXXX | XXXX | 303200467 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.0 |
| XXXX | XXXX | XXXX | 303143073 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | XXXX | XXXX | 303106678 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.0 |
| XXXX | XXXX | XXXX | 303257425 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | XXXX | XXXX | 303232096 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  | $XXX,XXX.XX | XX/XX/XXXX |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $XXX,XXX.XX | XX/XX/XXXX | $0.00 | 0.00% | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| XXXX | XXXX | XXXX | 303237358 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.0 |
| XXXX | XXXX | XXXX | 303325846 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | Form 1073 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $XXX,XXX.XX | XX/XX/XXXX | $0.00 | 0.00% | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | XXXX | XXXX | 303085548 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $XXX,XXX.XX | XX/XX/XXXX | $0.00 | 0.00% | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | XXXX | XXXX | 303106675 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.0 |
| XXXX | XXXX | XXXX | 303010416 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.0 |
| XXXX | XXXX | XXXX | 302938610 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $XXX,XXX.XX | XX/XX/XXXX | $0.00 | 0.00% | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | XXXX | XXXX | 303025808 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $XXX,XXX.XX | XX/XX/XXXX | $0.00 | 0.00% | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | XXXX | XXXX | 303075890 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.0 |
| XXXX | XXXX | XXXX | 303106679 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.0 |
| XXXX | XXXX | XXXX | 303079030 | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $XXX,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $XXX,XXX.XX | XX/XX/XXXX | $0.00 | 0.00% | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |

---

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Loan Number** | **Customer Loan ID** | **Alt ID** | **Name** | **Data Field** | **Tape Data** | **Review Data** | **Tape Discrepancy Comments** |
| XXXX | XXXX | XXXX | 302866211 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value: XXXX<br> Audit Value: Based off documentation in file |
| XXXX | XXXX | XXXX | 302816254 | XXXXXXX | Borrower Self Employed | Yes | No | Incoming Value:Yes<br> Audit Value: Audit value pulled from documents located in the loan file |
| XXXX | XXXX | XXXX | 302816254 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value:XXXX<br> Audit Value: XXXX Rounding |
| XXXX | XXXX | XXXX | 302816254 | XXXXXXX | Property County | XXXXXXXX XXXXX XXXX | XXXXXXXX XXXXX XXXX | Incoming Value: XXXX<br> Audit Value: Audit Value Pulled from Mortgage/DOT |
| XXXX | XXXX | XXXX | 302805701 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value: XXXX<br> Audit Value: Based off documentation in file |
| XXXX | XXXX | XXXX | 303088940 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value:XXXX<br> Audit Value: XXXX DTI difference is within lender tolerance.<br>|
| XXXX | XXXX | XXXX | 302784737 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value:XXXX<br> Audit Value: XXXX DTI within lender tolerance<br>|
| XXXX | XXXX | XXXX | 302860848 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value:XXXX<br> Audit Value: XXXX DTI difference within lender tolerance.<br>|
| XXXX | XXXX | XXXX | 302860848 | XXXXXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX | Incoming Value:XXXX<br> Audit Value: Audit Value Pulled From Note<br>|
| XXXX | XXXX | XXXX | 303200467 | XXXXXXX | Borrower Last Name | XXXXX | XXXXX | Incoming Value:XXXX<br> Audit Value: Audit Value Pulled From Note<br>|
| XXXX | XXXX | XXXX | 303200467 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value: XXXX<br> Audit Value: Based off documentation in file |
| XXXX | XXXX | XXXX | 303106678 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value: XXXX<br> Audit Value: Based off documentation in file |
| XXXX | XXXX | XXXX | 303232096 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value: XXXX<br> Audit Value: Based off documentation in file |
| XXXX | XXXX | XXXX | 303232096 | XXXXXXX | Property Type | 1 Family Attached | Single Family Detached (non PUD) | Incoming Value: 1 Family Attached<br> Audit Value: Audit Value Pulled From Appraisal<br>|
| XXXX | XXXX | XXXX | 303237358 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value: XXXX<br> Audit Value: Based off documentation in file |
| XXXX | XXXX | XXXX | 303325846 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value: XXXX<br> Audit Value: Based off documentation in file |
| XXXX | XXXX | XXXX | 303085548 | XXXXXXX | Borrower Self Employed | Yes | No | Incoming Value:Yes<br> Audit Value: Audit value pulled from documents located in the loan file<br>|
| XXXX | XXXX | XXXX | 303085548 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value: XXXX<br> Audit Value: Based off documentation in file |
| XXXX | XXXX | XXXX | 303106675 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value:XXXX<br> Audit Value: XXXX within tolerance<br>|
| XXXX | XXXX | XXXX | 303010416 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value: XXXX<br> Audit Value: Based off documentation in file |
| XXXX | XXXX | XXXX | 303025808 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value: XXXX<br> Audit Value: Based off documentation in file |
| XXXX | XXXX | XXXX | 303075890 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value: XXXX<br> Audit Value: Based off documentation in file |
| XXXX | XXXX | XXXX | 303106679 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value: XXXX<br> Audit Value: Based off documentation in file |
| XXXX | XXXX | XXXX | 303079030 | XXXXXXX | DTI | XXXX | XXXX | Incoming Value: XXXX<br> Audit Value: Based off documentation in file |

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------

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Seller Loan ID** | **Loan Number** | **Alt ID** | **Program Type** | **Title Interest Type** | **Personal Guarantee** | **Personal Guaranty Recourse to the borrower level** | **Loan closed in the name of an entity flag** | **Borrowing Entity Name** | **Title Held by LLC** | **Leasehold Flag** | **Origination Date** | **PITIA** | **Monthly Flood** | **Monthly Hazard** | **Monthly HOA** | **Monthly PI** | **Monthly Taxes** | **Qualifying Rate** | **Value used for LTV** | **Units** | **TRID** | **GSE Eligible Flag** | **DU LP Approval** | **CDFI Flag** | **Assumable Mortgage Flag** | **Buydown Flag** | **Primary Documentation Type** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Income doc summary** | **Paystub Flag** | **Number of Paystubs Borrower** | **Number of Paystubs Co Borrower** | **W2 Flag** | **Borrower Years of W2s** | **Co Borrower Years of W2s** | **Personal Tax Return Flag** | **Years of Personal Tax Returns transcripts Borrower** | **Years of Personal Tax Returns transcripts Co Borrower** | **Business Tax Return Flag** | **Years of Business Tax Returns transcripts Borrower** | **Years of Business Tax Returns transcripts Co Borrower** | **VVOE** | **WVOE Flag Borr** | **# of Months WVOE Borr** | **WVOE Flag Co Borr** | **# of Months WVOE Co Borr** | **WVOE Form** | **Bank Statement Flag Borr** | **# Personal Bank statements Borr** | **# Business Bank statements Borr** | **Bank Statement Flag Co Borr** | **# Personal Bank statements Co Borr** | **# Business Bank statements Co Borr** | **P&L Flag Borr** | **# of Months P&L Borr** | **P&L Type Borr** | **CPA Letter Flag Borr** | **# of Months CPA verified income Borr** | **P&L Flag Co Borr** | **# of Months P&L Co Borr** | **P&L Type Co Borr** | **CPA Letter Flag Co Borr** | **# of Months CPA verified income Co Borr** | **Asset Depletion Flag (DTI)** | **Partial Asset Depletion Flag DTI** | **Asset Depletion months amortized** | **Asset Utilization Flag (No DTI)** | **Bespoke Eligible Assets** | **DSCR Flag** | **Lease in Place Flag** | **Lease in Place or Market Rent Used** | **Market Rent Source** | **Monthly Rent used in DSCR qualifying** | **DSCR (at Origination)** | **DSCR Calculation Method (at Origination)** | **DSCR Calculation based on Short Term Rental Income Flag** | **Cross collateralized Loan Flag** | **Cross Collateralized Loan Release Provision** | **Assets Deposits** | **Residual Income** | **Equifax Credit Score B1** | **Experian Credit Score B1** | **Trans Union Credit Score B1** | **Equifax Credit Score CB** | **Experian Credit Score CB** | **Trans Union Credit Score CB** | **Borrower 30 Day DQ 12mo Lookback of times** | **Borrower 60 Day DQ 12mo Lookback of times** | **Borrower 90 Day DQ 12mo Lookback of times** | **Borrower 30 Days DQ 24mo Lookback of times** | **Borrower 60 Days DQ 24mo Lookback of times** | **Borrower 90 Days DQ 24mo Lookback of times** | **BK Discharge date** | **Bankruptcy Chapter** | **Foreclosure Satisfied Date** | **Short Sale Date** | **Deed In Lieu date** | **TILA (QM) Status** | **QM 2.0 VSH Status** | **Verification Safe Harbor Reference Document** | **ATR QM Total Points and Fees Audit** | **Covered vs High Cost vs Home Loan** | **Borrower Citizenship Indicator** | **Borrower Guarantor Designation** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Citizenship Indicator** | **Co Borrower Guarantor Designation** | **Co Borrower Documentation Used to Determine Legal Residency** | **HOA Name** | **HOA Address State** | **HOA Payment Frequency** | **Underwriting Exception Flag** | **Exception Issued By** | **When Exception Was Issued** | **Exception Description** | **Compensating Factor Description** | **Compensating Factors Accurate Flag** | **Borrower 3 Employment Indicator** | **Borrower 4 Employment Indicator** | **Number of Paystubs Borrower 3** | **Number of Paystubs Borrower 4** | **Borrower 3 Years of W2s** | **Borrower 4 Years of W2s** | **Years of Personal Tax Returns transcripts Borrower 3** | **Years of Personal Tax Returns transcripts Borrower 4** | **Years of Business Tax Returns transcripts Borrower 3** | **Years of Business Tax Returns transcripts Borrower 4** | **WVOE Flag Borr 3** | **# of Months WVOE Borr 3** | **WVOE Flag Borr 4** | **# of Months WVOE Borr 4** | **Bank Statement Flag Borr 3** | **# Personal Bank statements Borr 3** | **# Business Bank statements Borr 3** | **Bank Statement Flag Borr 4** | **# Personal Bank statements Borr 4** | **# Business Bank statements Borr 4** | **P&L Flag Borr 3** | **# of Months P&L Borr 3** | **P&L Type Borr 3** | **CPA Letter Flag Borr 3** | **# of Months CPA verified income Borr 3** | **P&L Flag Borr 4** | **# of Months P&L Borr 4** | **P&L Type Borr 4** | **CPA Letter Flag Borr 4** | **# of Months CPA verified income Borr 4** | **Equifax Credit Score B3** | **Experian Credit Score B3** | **Trans Union Credit Score B3** | **Equifax Credit Score B4** | **Experian Credit Score B4** | **Trans Union Credit Score B4** | **Borrower 3 Citizenship Indicator** | **Borrower 3 Guarantor Designation** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Citizenship Indicator** | **Borrower 4 Guarantor Designation** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| XXXX | XXXX | 302774629 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed |  | B1 XXXX W2 Wage<br> B1 XXXX W2 Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 WVOE - XXXX 1005 Ending XX/XX/XXXX Wage | Yes | 1 |  | Yes | 2 | 0 | No | 0 | 0 | No | 0 | 0 | Yes | Yes | XXXX | No |  | B1 WVOE - XXXX 1005 Ending XX/XX/XXXX Wage | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX |  |  |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $895.00 | No | US |  |  |  |  |  | XXXXXXXXX XX XXXXXX XXXXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302700702 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed |  | B1 XXXX W2 Wage<br> B1 XXXX W2 Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 WVOE - XXXX 1005 Ending XX/XX/XXXX Wage | Yes | 1 |  | Yes | 2 | 0 | No | 0 | 0 | No | 0 | 0 | Yes | Yes | XXXX | No |  | B1 WVOE - XXXX 1005 Ending XX/XX/XXXX Wage | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX |  |  |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $11258.25 | No | US |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302866211 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Unemployed | B1 XXXX W2 Wage<br> B1 XXXX W2 Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 Paystub Ending XX/XX/XXXX Wage | Yes | 4 |  | Yes | 2 | 0 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $1245.00 | No | US |  |  | US |  |  | XXXXX XXXXXXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302816254 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Self Employed | CB XXXX Personal Tax Return (1040) Business (Individual)<br> B1 XXXX W2 Wage<br> CB XXXX Personal Tax Return (1040) Business (Individual)<br> B1 Paystub Ending XX/XX/XXXX Wage<br> CB Bank Statement (Business) Ending XX/XX/XXXX Business (Individual)<br> CB Profit and Loss (Borrower Prepared) Ending XX/XX/XXXX Business (Individual) | Yes | 2 |  | Yes | 1 | 0 | Yes | 0 | 2 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | Yes |  | 5 | No |  |  | No |  | Yes | 5.00 | Profit and Loss (Borrower Prepared) | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $0.00 | No | US |  |  | US |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302805701 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Employed | B1 XXXX W2 Wage<br> B1 XXXX W2 Wage<br> CB XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> CB Paystub Ending XX/XX/XXXX Wage | Yes | 3 | 2 | Yes | 2 | 2 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $9496.89 | Yes | US |  |  | US |  |  | XXXXXX XXXXX XXXXXXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302837349 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Employed | CB XXXX W2 Wage<br> B1 XXXX W2 Wage<br> B1 XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 XXXX W2 Wage<br> CB XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage<br> CB Paystub Ending XX/XX/XXXX Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage | Yes | 2 | 2 | Yes | 3 | 2 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $1465.00 | No | Permanent Resident Alien |  |  | US |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302737661 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed |  | B1 XXXX W2 Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage | Yes | 1 |  | Yes | 1 | 0 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $15081.95 | No | US |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302794548 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Self Employed |  | B1 XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> B1 XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> B1 XXXX Personal Tax Return (1040) Business (Corporation or Partnership Etc.)<br> B1 XXXX Personal Tax Return (1040) Business (Individual)<br> B1 Profit and Loss (Borrower Prepared) Ending XX/XX/XXXX Business (Corporation or Partnership Etc.)<br> B1 Profit and Loss (Borrower Prepared) Ending XX/XX/XXXX Business (Corporation or Partnership Etc.) | No |  |  | No | 0 | 0 | Yes | 2 | 0 | Yes | 2 | 0 | No | No |  | No |  |  | No |  |  | No |  |  | Yes | 9.10 | Profit and Loss (Borrower Prepared) | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $21080.81 | No | US |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302816233 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Self Employed |  | B1 XXXX Personal Tax Return (1040) Business (Corporation or Partnership Etc.)<br> B1 XXXX Personal Tax Return (1040) Business (Corporation or Partnership Etc.)<br> B1 Profit and Loss (Borrower Prepared) Ending XX/XX/XXXX Business (Corporation or Partnership Etc.)<br> B1 Bank Statement (Business) Ending XX/XX/XXXX Business (Corporation or Partnership Etc.)<br> B1 Profit and Loss (Borrower Prepared) Ending XX/XX/XXXX Business (Corporation or Partnership Etc.) | No |  |  | No | 0 | 0 | Yes | 2 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | Yes |  | 3 | No |  |  | Yes | 16.90 | Profit and Loss (Borrower Prepared) | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX |  |  |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $14461.15 | Yes | US |  |  |  |  |  | XXXXXXXXX XX XXXXXXXXX XXXXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303088940 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Employed | CB XXXX W2 Wage<br> CB XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> CB Paystub Ending XX/XX/XXXX Wage<br> CB WVOE - XXXX 1005 Ending XX/XX/XXXX Wage<br> B1 WVOE - XXXX 1005 Ending XX/XX/XXXX Wage<br> CB WVOE - XXXX 1005 Ending XX/XX/XXXX Wage | Yes | 2 | 1 | Yes | 0 | 2 | No | 0 | 0 | No | 0 | 0 | Yes | Yes | XXXX | Yes | XXXX | CB WVOE - XXXX 1005 Ending XX/XX/XXXX Wage<br> B1 WVOE - XXXX 1005 Ending XX/XX/XXXX Wage<br> CB WVOE - XXXX 1005 Ending XX/XX/XXXX Wage | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $4768.97 | No | US |  |  | US |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302979355 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Self Employed |  | B1 XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> B1 XXXX Personal Tax Return (1040) Business (Corporation or Partnership Etc.)<br> B1 XXXX Tax Transcript Business (Corporation or Partnership Etc.)<br> B1 XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> B1 XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> B1 XXXX Tax Transcript Business (Corporation or Partnership Etc.)<br> B1 XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> B1 XXXX Personal Tax Return (1040) Business (Corporation or Partnership Etc.)<br> B1 Bank Statement (Business) Ending XX/XX/XXXX Business (Corporation or Partnership Etc.) | No |  |  | No | 0 | 0 | Yes | 2 | 0 | Yes | 2 | 0 | No | No |  | No |  |  | Yes |  | 1 | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX |  |  |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | NVSH Confirmed |  | $395.00 | No | US |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302784737 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Employed | B1 XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 XXXX W2 Wage<br> CB XXXX W2 Wage<br> CB Third Party Verification Ending XX/XX/XXXX Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage | No |  |  | Yes | 2 | 2 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $9164.86 | No | US |  |  | US |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302866209 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Self Employed |  | B1 XXXX Personal Tax Return (1040) Business (Individual)<br> B1 XXXX Personal Tax Return (1040) Business (Individual)<br> B1 Bank Statement (Business) Ending XX/XX/XXXX Business (Individual)<br> B1 Profit and Loss (Borrower Prepared) Ending XX/XX/XXXX Business (Individual) | No |  |  | No | 0 | 0 | Yes | 2 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | Yes |  | 12 | No |  |  | Yes | 4.00 | Profit and Loss (Borrower Prepared) | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $11437.29 | No | US |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302869743 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Employed | B1 XXXX W2 Wage<br> CB XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage<br> CB Paystub Ending XX/XX/XXXX Wage<br> CB Third Party Verification Ending XX/XX/XXXX Wage | Yes | 1 | 2 | Yes | 2 | 2 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $1465.00 | No | US |  |  | US |  |  | XX XXXX/XXXXX XXXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302860848 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Self Employed | Self Employed | B1 XXXX Personal Tax Return (1040) Wage<br> CB XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> B1 XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> CB XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> CB XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> CB XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> CB XXXX W2 Wage<br> B1 XXXX Personal Tax Return (1040) Wage<br> B1 XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> CB XXXX W2 Wage<br> B1 Profit and Loss (Borrower Prepared) Ending XX/XX/XXXX Business (Individual)<br> B1 Profit and Loss (Borrower Prepared) Ending XX/XX/XXXX Business (Corporation or Partnership Etc.)<br> CB Paystub Ending XX/XX/XXXX Wage<br> B1 Profit and Loss (Borrower Prepared) Ending XX/XX/XXXX Business (Corporation or Partnership Etc.)<br> CB Profit and Loss (Borrower Prepared) Ending XX/XX/XXXX Business (Corporation or Partnership Etc.)<br> CB Profit and Loss (Borrower Prepared) Ending XX/XX/XXXX Business (Corporation or Partnership Etc.) | Yes |  | 4 | Yes | 0 | 2 | Yes | 2 | 0 | Yes | 2 | 2 | No | No |  | No |  |  | No |  |  | No |  |  | Yes | 15.00 | Profit and Loss (Borrower Prepared) | No |  | Yes | 10.00 | Profit and Loss (Borrower Prepared) | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $4042.33 | No | US |  |  | US |  |  | XXXXXXXXXX XXXXX XX XXXXX XXXXXXXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303200467 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Employed | B1 XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 XXXX W2 Wage<br> B1 XXXX Lease Agreement Business (Individual)<br> CB XXXX W2 Wage<br> CB Third Party Verification Ending XX/XX/XXXX Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage<br> CB Paystub Ending XX/XX/XXXX Wage | Yes | 2 | 2 | Yes | 2 | 2 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $31491.50 | No | US |  |  | US |  |  | XXX XXXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303143073 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Unemployed | B1 XXXX W2 Wage<br> B1 XXXX W2 Wage<br> B1 XXXX Personal Tax Return (1040) Wage<br> B1 XXXX Personal Tax Return (1040) Wage<br> B1 XXXX Tax Transcript Wage<br> B1 XXXX Tax Transcript Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 Paystub Ending XX/XX/XXXX Wage | Yes | 3 |  | Yes | 2 | 0 | Yes | 2 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $1361.40 | No | US |  |  | US |  |  | XXXXXX XXXXXXXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303106678 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Self Employed | Unemployed | B1 XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> B1 XXXX W2 Wage<br> B1 XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> B1 Profit and Loss (Borrower Prepared) Ending XX/XX/XXXX Business (Individual)<br> CB Third Party Verification Ending XX/XX/XXXX Wage<br> B1 Bank Statement (Business) Ending XX/XX/XXXX Business (Corporation or Partnership Etc.)<br> CB Third Party Verification Ending XX/XX/XXXX Wage<br> B1 Bank Statement (Business) Ending XX/XX/XXXX Business (Corporation or Partnership Etc.) | No |  |  | Yes | 1 | 0 | No | 0 | 0 | Yes | 1 | 0 | No | No |  | No |  |  | Yes |  | 6 | No |  |  | Yes | 12.00 | Profit and Loss (Borrower Prepared) | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | NVSH Confirmed |  | $1345.00 | No | US |  |  | US |  |  | XXXXXX XXXXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303257425 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Self Employed | Self Employed | B1 XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> B1 XXXX Lease Agreement Rental Income<br> CB XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 XXXX Business Tax Return Business (Corporation or Partnership Etc.)<br> B1 XXXX Personal Tax Return (1040) Business (Corporation or Partnership Etc.)<br> B1 XXXX Personal Tax Return (1040) Business (Corporation or Partnership Etc.)<br> B1 XXXX W2 Business (Corporation or Partnership Etc.) | No |  |  | Yes | 1 | 2 | Yes | 2 | 0 | Yes | 2 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $12242.58 | No | US |  |  | US |  |  | XXXXXXXX XX XXXXX XXXXXXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303232096 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed |  | B1 Third Party Verification Ending XX/XX/XXXX Wage | No |  |  | No | 0 | 0 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX |  |  |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | NVSH Confirmed |  | $1150.00 | No | US |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303237358 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Employed | B1 XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage<br> CB Paystub Ending XX/XX/XXXX Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> CB Third Party Verification Ending XX/XX/XXXX Wage<br> CB WVOE - XXXX 1005 Ending XX/XX/XXXX Wage | Yes | 3 | 3 | Yes | 2 | 2 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | Yes | XXXX | CB WVOE - XXXX 1005 Ending XX/XX/XXXX Wage | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $8171.32 | No | US |  |  | US |  |  | XXXXXXX XX XXXXXXXXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303325846 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed |  | B1 XXXX Lease Agreement Rental Income<br> B1 XXXX W2 Wage<br> B1 XXXX W2 Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage | Yes | 6 |  | Yes | 2 | 0 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $1565.00 | No | US |  |  |  |  |  | XXXXXXXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303085548 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Self Employed | B1 XXXX Personal Tax Return (1040) Wage<br> B1 XXXX W2 Wage<br> B3 XXXX Lease Agreement Rental Income<br> CB XXXX Business Tax Return Wage<br> B3 XXXX 1099 Wage<br> B1 XXXX W2 Wage<br> B3 XXXX Personal Tax Return (1040) Rental Income<br> CB XXXX Business Tax Return Wage<br> B3 XXXX Personal Tax Return (1040) Wage<br> CB XXXX Business Tax Return Wage<br> B3 XXXX 1099 Wage<br> B1 XXXX Personal Tax Return (1040) Wage<br> B3 XXXX 1099 Retirement/Pension<br> CB 2019 Business Tax Return Business (Corporation or Partnership Etc.)<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 WVOE - XXXX 1005 Ending XX/XX/XXXX Wage<br> B1 WVOE - XXXX 1005 Ending XX/XX/XXXX Wage | Yes | 4 |  | Yes | 2 | 0 | Yes | 2 | 0 | Yes | 0 | 2 | Yes | Yes | 76.52 | No |  | B1 WVOE - XXXX 1005 Ending XX/XX/XXXX Wage<br> B1 WVOE - XXXX 1005 Ending XX/XX/XXXX Wage | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $1465.00 | No | US |  |  | US |  |  |  |  |  | No |  |  |  |  |  | Retired |  |  |  | 0 | 0 | 1 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | XXXX | XXXX | XXXX |  |  |  | US |  |  |  |  |  |
| XXXX | XXXX | 303106675 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed |  | B1 XXXX W2 Wage<br> B1 XXXX W2 Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage | Yes | 3 |  | Yes | 2 | 0 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $1540.00 | No | US |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303010416 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Employed | B1 XXXX W2 Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage<br> CB Third Party Verification Ending XX/XX/XXXX Wage | No |  |  | Yes | 1 | 0 | No | 0 | 0 | No | 0 | 0 | No | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $19923.03 | No | Permanent Resident Alien |  |  | US |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 302938610 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed |  | B1 XXXX W2 Wage<br> B1 XXXX W2 Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage | No |  |  | Yes | 2 | 0 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX |  |  |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $3162.53 | No | US |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303025808 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Employed | B1 XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 Paystub Ending XX/XX/XXXX Wage<br> CB Paystub Ending XX/XX/XXXX Wage<br> CB Third Party Verification Ending XX/XX/XXXX Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Wage | Yes | 1 | 1 | Yes | 1 | 1 | No | 0 | 0 | No | 0 | 0 | No | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $1345.00 | No | US |  |  | US |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303075890 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Self Employed | Employed | CB XXXX W2 Wage<br> B1 XXXX Personal Tax Return (1040) Business (Individual)<br> CB XXXX W2 Wage<br> B1 XXXX Personal Tax Return (1040) Business (Individual)<br> CB XXXX W2 Wage<br> B1 Third Party Verification Ending XX/XX/XXXX Business (Individual)<br> B1 Profit and Loss (Borrower Prepared) Ending XX/XX/XXXX Business (Corporation or Partnership Etc.)<br> CB Paystub Ending XX/XX/XXXX1 Wage | Yes |  | 1 | Yes | 0 | 2 | Yes | 2 | 0 | No | 0 | 0 | No | No |  | No |  |  | No |  |  | No |  |  | Yes | 7.58 | Profit and Loss (Borrower Prepared) | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $1565.00 | No | US |  |  | US |  |  | XXXXX XXXXXXXXXXXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303106679 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Employed | B1 XXXX W2 Wage<br> CB XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 XXXX W2 Wage<br> CB Paystub Ending XX/XX/XXXX Wage<br> B1 Paystub Ending XX/XX/XXXX Wage | Yes | 1 | 1 | Yes | 2 | 2 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $1465.00 | No | US |  |  | US |  |  | XXXXXX XXX | XX | Monthly | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 303079030 | XXXX | Fee Simple | No |  | Yes |  |  | No | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $XXX,XXX.XX | 1 | TRID | No |  | No | No | No | Full Documentation | Employed | Employed | B1 XXXX W2 Wage<br> CB XXXX W2 Wage<br> CB XXXX W2 Wage<br> B1 XXXX W2 Wage<br> CB Paystub Ending XX/XX/XXXX Wage<br> B1 Paystub Ending XX/XX/XXXX Wage | Yes | 2 | 1 | Yes | 2 | 2 | No | 0 | 0 | No | 0 | 0 | Yes | No |  | No |  |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  | No | No |  | No |  | No |  |  |  |  |  |  |  |  |  | XXXX | $XX,XXX.XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | 0 |  |  |  |  |  |  |  |  | QM-ATR Pass/Non-HPML (Safe Harbor) | VSH Confirmed |  | $8059.21 | No | US |  |  | US |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No |  | No |  | No |  |  | No |  |  | No |  |  | No |  | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.19

![](image00002.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, Redwood Residential Acquisition Corporation. ("Client"). The review included a total of 17 newly originated residential mortgage loans, in connection with the securitization identified as SEMT 2025-S2 (the "Securitization"). The review began on July 12, 2021, and concluded on September 8, 2025.

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

The Credit Review attempted to confirm the following:

<br> a. QM or ATR Validation / Review of 8 Key Underwriting Factors

<br> i. Income / Assets

<br> • Validate borrower(s) monthly gross income

<br> • Validate funds required to close, required reserves

<br> • Review file documentation for required level of income and asset verifications

<br> ii. Employment Status

<br> • Review file documentation for required level of employment

<br> iii. Monthly Mortgage Payment

<br> • Confirm program, qualifying rate, terms

<br> iv. Simultaneous Loans

<br> • Validate all concurrent loans are included in the DTI to properly assess the ability to repay

<br> v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

<br> • Validate subject loan monthly payment (PITI) and associated obligations

<br> vi. Debts / Obligations

<br> • Validate monthly recurring liabilities

<br> vii. DTI and/or Residual Income

<br> • Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

<br> • Documentation meets Appendix Q requirements for QM Loans

<br> viii. Credit History

<br> • Review credit report for credit history and required credit depth including any / all inquiries

<br> • Determine representative credit score from credit report

<br> b. Validate loan-to-value (LTV) and combined loan-to-value

<br> c. Review borrower's occupancy

<br> d. Validation through third party resource of the subject properties most recent twelve (12) month sales history

<br> 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

<br> f. Confirm that Final 1003 is sufficiently completed

------

<br> g. Provide Audit 1008 with accurate data based on file documentation

<br> h. Confirm Loan Approval conditions were met

<br> 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

<br> j. General QM for any loans originated under the GQM Rule.

<br> i. Pricing Thresholds:

<br> a. Pricing for First Lien Loans:

i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

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

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

<br> b. Pricing for Subordinate Lien Loans:

i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156; and

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

<br> c. Pricing for Manufactured Homes:

i. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal to or greater than $110,260; and

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

<br> ii. Consider Income and Assets:

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

<br> o The consumer's debt obligations, alimony, child support; and

<br> o The monthly DTI or residual income.

<br> iii. Verification of Income and Assets:

<br> 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:

------

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

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

<br> 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;

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

<br> 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

<br> 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
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:

<br> a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> c. Tolerance Testing

<br> i. Compare Loan Estimate and Closing Disclosures

<br> ii. Identify Tolerance Violations and applicable cost to cure

<br> d. Comprehensive review of Closing Disclosure to determine transaction accuracy

<br> e. Recalculation of APR and Finance Charge

<br> f. Testing of:

<br> i. Federal High Cost Mortgage provisions

<br> ii. Federal Higher Priced Mortgage Loans provisions

<br> iii. Local and/or State Anti-predatory and High Cost provisions

<br> iv. HOEPA Points and Fees

<br> g. Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures

<br> i. Service Provider List

<br> ii. Home Ownership Counselling Disclosure

<br> iii. ARM Disclosure

<br> h. Compliance with QM as it relates to:

<br> i. APR Test

<br> ii. Points & Fees Test

------

<br> iii. Prepayment Penalty Test

<br> iv. Product Eligibility Testing

<br> i. Notice of Right to Cancel (Rescission) Review

<br> i. Confirm transaction date, expiration date, and disbursement date

<br> ii. Confirm document is properly executed by all required parties to the transaction

<br> iii. Confirm the correct Right of Rescission document was executed for the transaction type

<br> j. Confirm through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents

<br> k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)

<br> 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 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. Review original appraisal, determination that property is in "average" condition or better, or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be identified with the condition of the property, Digital Risk will alert Client.

<br> 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.

<br> 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.

<br> 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.

<br> e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

<br> f. Ensure that the appraisal conforms to the guidelines provided from the Client.

<br> g. Review appraisal to ensure all required documents were included.

------

<br> h. Review location map provided within the appraisal for external obsolescence.

<br> i. Ensure highest and best use and zoning complies with guidelines.

<br> j. Confirm there are no marketability issues that affect the subject property.

<br> k. Ensure subject property does not suffer any functional obsolescence.

<br> l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a review could not be performed.

m. Conforming Loan population – additional valuation product was not required when the CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, an additional valuation product was obtained to confirm value was supported within 10% tolerance

#### 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 table below reflects the discrepancies inclusive of the blank data fields.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Maturity Date | 3 | 17.65% |
| Originator Back-End DTI | 1 | 5.88% |

---

------

#### Summary of Results:

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 9 | $8266632.00 | 52.94% |
| Event Grade B | 8 | $8474238.00 | 47.06% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 17 | $16740870.00 | 100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 16 | $15593498.00 | 94.12% |
| Event Grade B | 1 | $1147372.00 | 5.88% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 17 | $16740870.00 | 100.00% |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 10 | $9414004.00 | 58.82% |
| Event Grade B | 7 | $7326866.00 | 41.18% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 17 | $16740870.00 | 100.00% |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 17 | $16740870.00 | 100.00% |
| Event Grade B | 0 | $0.00 | 0.00% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 17 | $16740870.00 | 100.00% |

---

#### Event Grade Definitions

---

| | |
|:---|:---|
| **Final Loan Grade** | **Final Loan Grade** |
| A | Loan meets Credit, Compliance, and Valuation Guidelines |
| B | 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. |
| C | The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| D | Loan is missing documentation to perform a sufficient review. |

---

------

---

| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
| 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 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. |
| C | 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. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| **Compliance Event Grades** | **Compliance Event Grades** |
| A | 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. |
| 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 absent 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. |

---

---

| | |
|:---|:---|
| **Valuation Event Grades** | **Valuation Event Grades** |
| A | 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. |
| B | 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. |
| 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. |

---

## Exhibit 99.20

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 409020215 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409020026 | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409020086 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409020148 | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020549 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409019912 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409020090 | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020067 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1<br> B<br> A |
| XXXX | 409020105 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020150 | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409020367 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020380 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1<br> A |
| XXXX | 409020572 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020566 | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020556 | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409020028 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020083 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1<br> C<br> A |

---

## Exhibit 99.21

---

| | | |
|:---|:---|:---|
| **Loan Count:** | 17 |  |
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Maturity Date | 3 | 17.65% |
| Originator Back-End DTI | 1 | 5.88% |

---

------

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Count:** | 17 |  |  |  |  |  |
| **Audit ID** | **Customer Loan Number** | **SellerLoanID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | 409020026 | XXXX | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | 409019912 | XXXX | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 409020148 | XXXX | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 409020549 | XXXX | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |

---

## Exhibit 99.22

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | **Compliance Exceptions** | **Credit Exceptions** | **Property Valuation Exceptions** | Compensating Factors | Initial Rating | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 409020215 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) TRID - CD - XXXX Tolerance Threshold/Rescindable-<br>The loan failed the Rescission Finance Charge tolerance test. Per the special foreclosure rule under Regulation Z, for loans subject to the right of rescission the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of XXXX, which is less than the system calculated Finance Charge of XXXX. The Finance Charge on the final CD is understated by XXXX which is more than the allowable tolerance of XXXX.The following fees were included XXXX the Finance Charge calculation: Loan Discount Fee XXXX, Recording Service Fee XXXX, Flood Certification XXXX, Prepaid Interest XXXX.XXXX, Settlement XXXX Closing Fee, XXXX, Tax Service Fee, XXXX, Title Tax Search Fee XXXX.A cost to cure XXXX the amount of XXXX is required. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(h)(2)(i).<br>Response 1 (XX/XX/XXXX XXXX)<br> The information provided is not sufficient to cure the finding. The reimbursement XXXX the amount of XXXX was applied to the 0% tolerance violation for an increase of the Appraisal fee XXXX the amount of XXXX. The finance charge testing has a violation XXXX the amount of XXXX A cost to cure XXXX the amount of XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The explanation provided is not sufficient to cure the finding. If the Service Provider is Borrower XXXX Lender chosen, it does not effect TILA/Finance Charge testing. The finance charge testing is based on what fees are Pre-Paid Finance Fees(PFC). If a fee is a PFC, it is included XXXX the finance charge. The following fees were included XXXX the Finance Charge calculation: Loan Discount Fee XXXX, Recording Service Fee XXXX, Flood Certification XXXX, Prepaid Interest XXXX.XXXX, Settlement XXXX Closing Fee, XXXX, Tax Service Fee, XXXX, and Title-Tax Search Fee XXXX. A cost to cure XXXX the amount of XXXX remains. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved) | **(Clear) No Credit Findings-**<br>The loan meets all applicable credit guidelines. | (Clear) Appraisal - Performed by appropriately licensed appraiser-<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. XXXX Collateral Underwriter (CU) was provided with a risk score of XXXX. |  | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409020026 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) HOC - Missing-<br>The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX(a)<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Clear) TRID - SPL/Missing-<br>The Service Provider List is missing. Note: Failure to provide a Service Provider List is treated as not allowing the borrower to shop; as a result, the following fees were included XXXX the 10% tolerance bucket: Courier/Exp Mail Fee, EDoc Fee, Endorsement Fee, Escrow Fee, Lender Title Insurance, Loan Tie XXXX Fee, Recording Service Fee, Settlement/Closing Fee, Sub Escrow Fee, Tracking Fee, Wire Transfer Fee. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(vi)(C).<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved) | (Open) Credit Score - FICO Refresh-<br>Updated Fico score below minimum requirement. The current median credit score of XXX is below the minimum required credit score of 720 for the loan program at XXXX% LTV and loan amount > $1MM. The investor granted an Exception for the low credit score. (Waived) | **(Clear) Appraisal - Performed by appropriately licensed appraiser-**<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained a Desk Review supporting the appraised value which is required for loan amounts > $1MM-$2MM. | Compensating Factors: Long employment history in same line of work > XX years for B1 and > XX years for B2; Low DTI at XXXX%; Residual Income of $XXXX x 12 mo's = $XXXX reserves. | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409020086 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) Initial Escrow Statement - Missing-<br>The Initial Escrow Account Statement is missing from the file. Real Estate Settlement Procedures Act (Regulation X)12 CFR XXXX(g), (h)<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Clear) TRID - CD - Section B incorrect payee-<br>The loan contains a fee where 'compensation to' reflects either 'Lender XXXX Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. However, this fee should not be retained by the lender XXXX broker. Per regulation XXXX(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>Response 1 (XX/XX/XXXX XXXX)<br> Resolved with no change XXXX grade EV2. (Resolved) | (Clear) Income - Missing Balance Sheet-<br>Self-Employed Borrower. The loan file is missing the 2020 year Balance Sheet for the XXXX-borrower, as required by Appendix Q and per the investor's guidelines.<br>Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved) | (Clear) Appraisal - Performed by appropriately licensed appraiser-<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained a CU score of XXXX which supports the appraised value. |  | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409020148 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) QM - Points and Fees-<br>The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded: 3% of total loan amount of XXXX. The following fees were included XXXX the testing: Points - Loan Discount Fee: XXXX; Processing Fee: XXXX; and Underwriting Fee: XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3)<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Clear) Security Instrument - Missing-<br>The Security Instrument (Mortgage/Deed of Trust) is missing.<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved) | (Clear) Debts - Not Verified-<br>The application lists significant debts that were not verified on the credit report and not independently verified. Application indicated a new Installment Debt has been obtained however supporting documentation of the monthly payment was not provided.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Assets - Other-<br>The file does not contain a letter from the seller detailing what funds are to be accepted as the EMD. There is a LOE XXXX the file from the borrower stating the EMD has been previously paid on behalf of the landlord and bank statement detailing a cash withdrawal and a payment to an HVAC company however there is no indication the seller agreed to these terms and the purchase contract only states an amount not source.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>(Clear) AUS - Risk Assessment-<br>The AUS Risk Assessment is not acceptable. The program guidelines indicate an AUS requirement of DU Approve/ Eligible XXXX DU Approve/ Ineligible (loan amount). The AUS XXXX file indicates #3 This loan is ineligible for delivery due to a combination of product features and risk factors being present which place the loan outside our current acquisition preferences and constraints.<br>Response 1 (XX/XX/XXXX XXXX)<br> The same message of ineligibility appears XXXX the AUS provided. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Assets - Other-<br>The file is missing withdrawal terms for the XXXX needed for funds to close plus reserves.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved) | (Clear) Appraisal - Performed by appropriately licensed appraiser-<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. Acceptable appraisal and LoanDepot Desk Review is XXXX the file. |  | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020549 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) TRID - 10% Tolerance Violation (No Valid COC)-<br>The loan failed the charges that XXXX total cannot increase more than 10% test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase to the following fees was not accepted: Appraisal Fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure XXXX the amount of XXXX is required. Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(3)(ii); 12 CFR XXXX(e)(3)(iv).<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Clear) TRID - CD - Transaction Information/Seller Info-<br>The CD issued on XX/XX/XXXX does not reflect the Seller name and address. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(a)(4)(ii)<br>Response 1 (XX/XX/XXXX XXXX)<br> Resolved with no change XXXX grade EV2. (Resolved) | **(Clear) No Credit Findings-**<br>The loan meets all applicable credit guidelines. | **(Clear) Appraisal - Performed by appropriately licensed appraiser-**<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained a XXXX Appraisal Department Desk Review which supported the appraised value. |  | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409019912 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) TRID - CD - Transaction Information/Seller Info-<br>The CD issued on XX/XX/XXXX does not reflect the complete Seller address when compared to the Purchase Contract. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(a)(4)(ii)<br>Response 1 (XX/XX/XXXX XXXX)<br> Resolved with no change XXXX grade EV2. (Resolved)<br>(Clear) TRID - CD/Payee Not Listed-<br>The loan contains the following fee XXXX fees where 'compensation to' does not reflect a Payee on the revised CD issued XX/XX/XXXX; Credit Report.<br>Response 1 (XX/XX/XXXX XXXX)<br> Resolved with no change XXXX grade EV2. (Resolved) | (Clear) Credit Missing - One XXXX More Reports Missing-<br>The file is missing a credit report for both borrowers.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved) | **(Clear) Appraisal - Performed by appropriately licensed appraiser-**<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contains a XXXX Appraisal Department Desk Review which supported the appraised value. |  | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409020090 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) TRID - Zero Tolerance Violation (No Valid COC)-<br>The loan failed the charges that cannot increase test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase to the following fees was not accepted: Credit Report Fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure XXXX the amount of XXXX is required. Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(3)(i); 12 CFR XXXX(e)(3)(iv)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The COC issued on XX/XX/XXXX does have valid reason for the increase to the Credit Report due to low score, however, the Credit Report Invoice XXXX the loan file shows the updated Credit Report was on XX/XX/XXXX and not disclosed until XX/XX/XXXX, which is not within 3 days of the change as required. A cost to cure XXXX the amount of XXXX remains. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>Response 1 (XX/XX/XXXX XXXX)<br> The information provided is not sufficient to cure the finding. The Initial LE issued on XX/XX/XXXX reflects a Credit Report Fee of XXXX. On the Revised LE issued on XX/XX/XXXX the Credit Report Fee increased to XXXX without a valid COC. The fee remained at XXXX up to and including the Final CD issued on XX/XX/XXXX. A cost to cure XXXX the amount of XXXX remains (Upheld) | **(Clear) No Credit Findings-**<br>The loan meets all applicable credit guidelines. | (Clear) Appraisal - Performed by appropriately licensed appraiser-<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. XXXX Collateral Underwriter (CU) was provided with a risk score of XXXX. |  | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020067 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Open) TRID - CD/Payee Not Listed-<br>The loan contains the following fee XXXX fees where 'compensation to' does not reflect a Payee on the revised CD issued XX/XX/XXXX: Reinspection and Title Courier.<br>Response 1 (XX/XX/XXXX XXXX)<br> Acknowledged.<br>(Open) TRID - CD - Incorrect Section-<br>The Title Fees were included XXXX Section B of the CD issued on XX/XX/XXXX. However, the fee should have been entered under Section C. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(f), (g)<br>Response 1 (XX/XX/XXXX XXXX)<br> Acknowledged.<br>(Clear) Security Instrument - Missing Rider/Addendum-<br>The following referenced are missing: Missing PUD rider as required.<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved) | **(Clear) No Credit Findings-**<br>The loan meets all applicable credit guidelines. | **(Clear) Appraisal - Performed by appropriately licensed appraiser-**<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained a Desk Review required for loan amounts > $1MM to $2MM which supports the appraised value. |  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1<br> B<br> A |
| XXXX | 409020105 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) No Compliance Findings-<br>The loan is in compliance with all applicable laws and regulations. | (Clear) Verification Documentation - VOE Self-Employed/Missing-<br>A VOE is missing from the loan file. The loan file is missing a Verification of Self-Employment for the borrower's self employment.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved) | (Clear) Appraisal - Performed by appropriately licensed appraiser-<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. CU Score is XXXX. |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020150 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) TRID - Zero Tolerance Violation (No Valid COC)-<br>The loan failed the charges that cannot increase test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase to the following fee was not accepted: Appraisal Fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure XXXX the amount of XXXX is required. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(3)(i); 12 CFR XXXX(e)(3)(iv).<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved) | (Clear) Income - Missing P&L-<br>Self-Employed Borrower. Missing most current Profit and Loss Statement as required by lender guidelines. The loan file contained XXXX and XXXX Personal Tax Returns with Schedule C, XXXX year-to-date P&L and XXXX 1099s documenting the borrower's self-employment income; however, the loan file did not contain a XXXX P&L documenting income and expenses as required.<br>Response 1 (XX/XX/XXXX XXXX)<br> Still missing P/L. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Income - Missing Balance Sheet-<br>Self-Employed Borrower. Missing most current year Balance Sheet as required by lender guidelines. The loan file did not contain a Balance Sheet documenting the borrower's self-employment income as required.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Income - Other/Missing-<br>Other Income documentation required by the lender was missing from loan file. The loan file did not contain the 3 most recent months business bank statements supporting the borrower's self-employment income as required.<br>Response 1 (XX/XX/XXXX XXXX)<br> There are only 2 incomplete bank statements XXXX the file. 3 full months of statements which support the LOE for income are required. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Verification Documentation - VOE Self-Employed/Missing-<br>A VOE is missing from the loan file. The loan file is missing a Verification of Self-Employment for the borrower's Schedule C law firm within 10 days of the note date as required by lender guidelines.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved) | **(Clear) Appraisal - Performed by appropriately licensed appraiser-**<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. The Loan file contains a XXXX Appraisal Department Desk Review which supports the appraised value. |  | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409020367 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) TRID - 10% Tolerance Violation (No Valid COC)-<br>The loan failed the charges that XXXX total cannot increase more than 10% test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase and addition to the following fees was not accepted: Chain of Title Fee, Electronic Recording Fee, Policy Fee, Settlement Fee, Title Certification Fee, Title Endorsement fee, Title Update Fee, Wire Transfer Fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure XXXX the amount of XXXX is required. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(3)(ii); 12 CFR XXXX(e)(3)(iv).<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved) | **(Clear) No Credit Findings-**<br>The loan meets all applicable credit guidelines. | (Clear) Appraisal - Performed by appropriately licensed appraiser-<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. CU Score is XXXX which is acceptable for loan amounts up to XXXX Million. |  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020380 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) No Compliance Findings-<br>The loan is in compliance with all applicable laws and regulations. | **(Clear) No Credit Findings-**<br>The loan meets all applicable credit guidelines. | (Clear) Appraisal - Performed by appropriately licensed appraiser-<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. CU SCORE XXXX. |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1<br> A |
| XXXX | 409020572 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) No Compliance Findings-<br>The loan is in compliance with all applicable laws and regulations. | (Clear) Appraisal - Other-<br>There are additional appraisal findings. Subject located XXXX area that was declareddisaster area as of XX/XX/XXXX. It should be noted, the loan file contains an Affidavit of No Damage, dated XX/XX/XXXX.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved) | (Clear) Appraisal - Performed by appropriately licensed appraiser-<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. CU Score is XXXX. File contains Loan Depot department desk review, which supports the appraisal value. |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020566 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) TRID - Zero Tolerance Violation (No Valid COC)-<br>The loan failed the charges that cannot increase test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase to the following fees was not accepted: Appraisal Fee XXXX. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure XXXX the amount of XXXX is required. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(3)(i); 12 CFR XXXX(e)(3)(iv)<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved) | (Clear) Borrower - Identification-<br>The XXXX-borrower is listed on the application as a Permanent Resident Alien however the guidelines for documentation requirement have not been met/ properly documented. The file does not contain either an Unexpired Permanent Resident Card with photo XXXX an unexpired passport with photo with XXXX stamp and unexpired date.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Gift Letter - No Evidence of Funds-<br>No evidence of the transfer of gift funds from the donor to the borrower was located XXXX the file. Gift letter indicates gift funds will be transferred to title however the Final CD does not indicate gift funds were received.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Contract Addendum - Missing-<br>The Sales Contract Addendum(s) is/are missing. Missing addendum that indicates final sales price and seller contribution.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved) | (Clear) Appraisal - Performed by appropriately licensed appraiser-<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. Acceptable appraisal XXXX the file. CU score XXXX. |  | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020556 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) TRID - Zero Tolerance Violation (No Valid COC)-<br>The loan failed the charges that cannot increase test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase to the following fees on the Revised LE issued on XX/XX/XXXX and the Revised CD issued on XX/XX/XXXX was not accepted: Appraisal Fee and Discount Points. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure XXXX the amount of XXXX is required. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(3)(i); 12 CFR XXXX(e)(3)(iv)<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Clear) TRID - CD/Payee Not Listed-<br>The loan contains the following fee XXXX fees where 'compensation to' does not reflect a Payee on the revised CD: Credit Report Fee.<br>Response 1 (XX/XX/XXXX XXXX)<br> Resolved with no change XXXX grade EV2. (Resolved) | (Clear) Appraisal - Other-<br>The subject property is currently listed by FEMA as being located XXXX a disaster area as of XX/XX/XXXX. The appraisal was completed XX/XX/XXXX. A property re-inspection is required to verify if the property value and condition was impacted by the disaster.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Income - Insufficient Documentation-<br>The Underwriter's conclusions on the adequacy and the stability of the applicant's income was not supported by documentation XXXX the file. Overtime income was considered for the borrower XXXX the amount of XXXX however there is no breakdown of income on the VOE provided and no overtime income indicated YTD on the borrowers current paystub. Based on the documentation provided the borrower does not receive overtime income. It does appear the borrower receives bonus income however sufficient documentation to consider this as an income source was not provided.<br>Response 1 (XX/XX/XXXX XXXX)<br> DU reflects a DTI over XXX%, which exceeds Investor guidelines. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Assets - Cash to Close-<br>The file did not contain evidence the borrower had the proper amount of funds required to close. The application indicates XXXX XXXX proceeds from the sale of real estate however the file does not contain evidence these funds were available XXXX received at the time of closing. The file contains evidence of XXXX XXXX liquid funds with an additional XXXX XXXX retirement accounts. The borrower need XXXX XXXX funds to close and are short XXXX XXXX liquid funds. There is also not proof of liquidation of retirement account.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Debts - Not Verified-<br>The application excludes XXXX. and XXXX. from the REO section along with excluding the XXXX Loan #XXXX. The file does not contain evidence that either of these properties have been sold and should be excluded.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Debts - Not Verified-<br>The student Loan debt XXXX #XXX for the Borrower was not validated per guidelines. The credit report does not indicate a monthly payment and an email was provided from the company indicating an income based payment plan had been agreed upon however the email does not meet all criteria required per guidelines. While the email indicates the new monthly payment it does not provide sufficient information to determine that the income used to qualify on the loan application matches the qualifying income used to assess the student loan payment."<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved) | (Clear) Appraisal - Performed by appropriately licensed appraiser-<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score XXXX. Acceptable Desk Review is XXXX the file. |  | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1<br> C<br> B<br> A |
| XXXX | 409020028 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) HOC - Missing-<br>The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X)12 CFR XXXX(a)<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Clear) TRID - SPL/Missing-<br>The Service Provider List is missing.Note: Failure to provide a Service Provider List is treated as not allowing the borrower to shop; as a result, the following fees were included XXXX the 10% tolerance bucket: Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(1)(vi)(C)<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Clear) TRID - CD - Closing Information/Disbursement Date-<br>The CD issued on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(a)(3)(iii)<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved) | **(Clear) No Credit Findings-**<br>The loan meets all applicable credit guidelines. | (Clear) Appraisal - Performed by appropriately licensed appraiser-<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. CU Score XXXX. |  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1<br> C<br> A |
| XXXX | 409020083 | XXXX | XXXX | XXXX | Safe Harbor Verified QM | N/A | (Clear) TRID - Zero Tolerance Violation (No Valid COC)-<br>The loan failed the charges that cannot increase test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase to the following fee was not accepted: Appraisal Fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure XXXX the amount of XXXX is required. Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(3)(i); 12 CFR XXXX(e)(3)(iv)i.<br>Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved) | **(Clear) No Credit Findings-**<br>The loan meets all applicable credit guidelines. | (Clear) Appraisal - Performed by appropriately licensed appraiser-<br>The appraisal under review was performed and completed by an appropriately licensed appraiser. The file contains a CU that reflects a Score of XXXX. |  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1<br> C<br> A |

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## Exhibit 99.23

Valuation Securitization Report &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **ORIGINATION VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **ORIGINATION VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **ORIGINATION VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **ORIGINATION VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **ORIGINATION VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **ORIGINATION VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **ORIGINATION VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **ORIGINATION VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **ORIGINATION VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **ORIGINATION VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **ORIGINATION VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **ORIGINATION VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **ORIGINATION VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **AVM VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AVM VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AVM VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AVM VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AVM VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AVM VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AVM VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **DESK REVIEW VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **DESK REVIEW VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **DESK REVIEW VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **DESK REVIEW VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **DESK REVIEW VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **DESK REVIEW VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **BPO VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **BPO VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **BPO VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **BPO VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **BPO VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **2055 VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **2055 VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **2055 VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **2055 VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **OTHER VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **OTHER VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **OTHER VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **OTHER VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **OTHER VALUES**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **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** |
| 409020549 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| 409020105 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 409020090 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| 409020566 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 409020380 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 409020556 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 409020067 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| 409020028 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 409020572 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 409020026 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 409020148 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| 409020215 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 409020083 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 409020086 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| 409019912 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| 409020150 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| 409020367 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |

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